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Polk County, Florida VA Home Loan Info

Florida VA home loan limit2021 $0 down, VA home loan limit for Polk County is $548,250.

Roughly 12,000 years ago, the first inhabitants of Polk County migrated into the area in search of big game. When the first Paleo-Indians arrived, the county was vastly different geologically than it is now. The changing sea level both largely reduced the wideness of the state and at other times shrank the landmass to only a few tiny islands. The nomadic tribes of the area were adaptable and are said to have numbered 250,000 by 1492. These indigenous people integrated with Creek Indians from Georgia and the Carolinas to create the Seminole Nation. Spanish, French and British settlers had a large impact upon the County, as the three exchanged ownership multiple times. Florida entered the Union as a state in 1845, and Polk County was established 16 years later from the land belonging to the eastern portion of Hillsborough County. The county is the namesake of the 11th American President James K. Polk.

Polk County is situated in Central Florida. Adjacent to nine counties, the total square mileage of the area is 2,011. The County has a population of over 620,000 with the largest city being Lakeland and the county seat being Bartow. Because of the proximity to both Tampa and Orlando the county has undergone large growth in recent years. Historically, the largest economic contributors to Polk County have been agriculture, phosphate mining, and tourism.

A humid subtropical climate, most summers in Polk County are hot and humid, and winters are dry and mild. The county hosts spring training annually for the Detroit Tigers of Major League Baseball. Eight colleges and universities are found in the county, notably Florida Southern College and Florida Polytechnic University.

To apply for a VA mortgage in Polk County, click here.

Veterans in Polk County

The veteran population of Polk County exceeds 53,000. Local veterans have access to services via multiple governmental organizations. The Lakeland Vet Center specializes in readjustment services. The facility provides counseling, outreach, and referral services to veterans with combat experience and their families. Counseling may include either individual or group work with an emphasis placed on Post-Traumatic Stress Disorder, and Alcohol and drug assessment. Services are confidential and free of cost.

The Veterans Services Office in Bartow guides veterans in need of assistance in the following areas; compensation, pension, professional rehabilitation, medical, educational, insurance, burial and spousal benefits. Similar to the Lakeland Vet Center, this office provides services gratis to military members. Office hours are Monday through Friday from 8:00 a.m. to 5:00 p.m.

Local veterans have access to health and wellness services at the Lakeland Community Based Outpatient Clinic. Available health care includes primary care, ancillary services, laboratory testing, social work, psychiatric care and pharmaceutical services. Patients in need of specialty care are referred to the VA Medical Center in Tampa.

Disabled veteran homeowners are living in Polk County with a disability rating of ten percent or more qualify for a property tax exemption amounting to $5,000. Veterans, who suffer from a complete disability (100 percent), are entitled to a full exemption.

VFW Post

Post 2405 Bartow Post
510 W Vine St
Bartow, FL 338305441
United States
Phone: (863) 512-8058

Meeting Location & Time
510 W Vine St
Bartow, FL 338305441
United States
7:00 PM 3rd Monday

Quartermaster: N/A
Commander: N/A

Post 2297 William E. Fearrand Post
306 S Central
Lakeland, FL 33802
United States
Phone: (863) 687-8146

Meeting Location & Time
306 S Central Ave
Lakeland, FL 33815-4334
United States
7:30 PM 1st & 3rd Monday

Quartermaster: Richard Lane
Commander: Sterling Proctor

Maximum VA Appraisal Fees Allowable In Polk  County:

  • Single Family: $425
  • Condominium: $425
  • Manufactured Housing: $425
  • Duplex $500
  • Triplex: $550
  • Fourplex: $600
  • Repair Certification: $100

Polk County Property Search

Auburndale, Bartow, Davenport, Eagle Lake, Fort Meade, Frostproof, Haines City, Lake Alfred, Lakeland, Lake Whales, Mulberry, Polk City, Winter Haven, Dundee, Hillcrest Heights, Lake Hamilton, Highland Park, Babson Park, Combee Settlement, Crooked Lake, Crystal Lake, Cypress Gardens, Four Corners, Fussels Corner, Gibsonia, Highland City, Inwood, Lakeland Highlands, Lakeshore, Loughman, Medulla, Mountain Lake, Nalcrest, Pittsburg, Poinciana, Wahneta, Waverly, Willow Oak, Winston

For a list of VA approved homes for sale in Polk County, call 888-573-4496 option 0 and ask for the real estate dept.

Polk County VA Approved Condos

VA Home Loan Centers can get condo approval for most properties. If you would like for us to help you with condo approval, call 888-573-4496 option 0 and ask for the real estate dept.

Address: PHASE 1 LAKELAND  FL  33809  POLK
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 05/21/2008
Review Completion Date: 04/18/2013

Condo Name (ID): GARDEN VILLAS (612314)
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 05/22/2002
Review Completion Date: 05/22/2002

Address: LAKELAND  FL  33803  POLK
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 10/12/2012
Review Completion Date: 11/01/2012

Condo Name (ID): VENTURA AT BELLA TRAE (H11497)
Status: HUD Accepted
Last Update: Unavailable
Request Received Date: 06/21/2006
Review Completion Date: 06/22/2006

Condo Name (ID): WINTERSET NO. 1 (612328)
Address: WINTER HAVEN  FL  33884  POLK
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 01/08/2003
Review Completion Date: 01/08/2003

Don’t see a particular HOA? VA Home Loan Centers can add it to the list. Call 888-573-4496 option 0 and ask for the real estate dept.


  1. Florida VA Loan Information: https://www.vahomeloancenters.org/florida-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/