Buy a home at a reasonable rate with a VA loan in Brevard, FL
VA loans were established prior to the end of World War II and have since assisted numerous veterans, service members, and military families in fulfilling their dream of owning their a home. In recent times, the program has become increasingly significant, with VA loan volume skyrocketing and offering substantial financial advantages that enable countless veterans to purchase homes, thereby making homeownership a possibility for those who may not have qualified otherwise.
If you sacrificed comfort and security to help protect our great nation, Mission One Mortgage thanks you for your service. We believe that there's no greater honor than to serve those who have served our country. We're not afraid to go above and beyond for our veterans because that's exactly what they did for us.
What is a VA Loan in Brevard, FL?
A VA loan is a mortgage option that is backed by the government and available to Veterans, service members, and surviving spouses. It is offered by private lenders such as banks and mortgage companies and not directly by the Department of Veterans Affairs.
VA home loans come with competitive interest rates and terms and can be used to purchase a variety of properties, including:
- Single-Family Homes
- Condominiums
- Multi-Unit Properties
- Manufactured Homes
- New Construction Homes
One of the great benefits of VA loans is that eligible Veterans can buy a home with no down payment, no mortgage insurance, lenient credit requirements, and the lowest average fixed rates in the market.
This program was created by the federal government to make it easier for those who have served our country to become homeowners, and it is widely considered the strongest benefit program available for this purpose.
The VA has a guarantee program that ensures the government will pay back the lender a portion of a VA loan if the borrower fails to make payments. This guarantee reduces the risk for lenders, and as a result, they can offer more favorable terms and require no down payment.
Compared to conventional loans, VA loan rates are typically lower. The rate could either be fixed, meaning payments will remain the same, or adjustable, meaning that payments could change over time. However, keep in mind that adjustable-rate mortgages (ARMs) come with some risk, as you'll pay more if rates rise.
If you are eligible for a VA loan, you can complete the VA mortgage application process through lenders like Mission One Mortgage. While many lenders offer VA loans, not all of them do, and some lenders specialize in serving VA loan borrowers. Generally speaking, it's best to apply with multiple lenders in order to compare rate offers and find the best deal.
Debbie Haberny, the proud broker-owner of Mission One Mortgage, is a certified Vetted VA Professional. The main objective of her team is to simplify the mortgage process for veterans by providing them with relevant tools and knowledge. Debbie and her team of mortgage experts base their expertise on the VA Handbook and are committed to showing veterans all the options and opportunities available to them with their VA benefits. They also connect veterans with qualified lenders and resources to ensure their VA loan process is seamless.
Whether you're a first-time home buyer or a seasoned homeowner, we'll help you understand the differences between financing programs so you can select the one that's best for you.
What are the Biggest Benefits of Having a VA Loan in Brevard, FL?
At Mission One Mortgage, we work with many Veterans who know that VA loans exist but don't quite understand the full range of benefits they provide. If that sounds familiar, keep reading. This section was written especially for you.
01
Benefit:
No Down Payment Needed
One of the standout benefits of the VA Loan program is that qualified borrowers can purchase a home without having to make a down payment up to the conforming loan limit of their county. This is a significant advantage over conventional and FHA loans, which typically require minimum down payments of 5 percent and 3.5 percent, respectively.
For example, on a $400,000 mortgage, a conventional loan would require a $20,000 down payment, while an FHA loan would require $14,000. Saving up that kind of cash can take service members and veterans years, but with the VA Loan, they can pursue homeownership without having to scrape and stockpile for years on end.
03
Benefit:
Less Strict Credit Requirements
It's important for military buyers to stay informed about credit score requirements when considering home financing options. Although credit score requirements have eased up a bit, it's still necessary to meet certain benchmarks set by conventional and FHA lenders. However, even meeting these benchmarks can be a challenge for many buyers.
Most VA lenders require a credit score of at least 620, which falls in FICO's "Fair" credit score range. Borrowers will typically need to meet a higher threshold for conventional mortgages, particularly if they want to secure a low-interest rate. It's worth checking out VA Loan rates to learn more about financing options.
Despite common misconceptions, military buyers don't need a perfect credit score to obtain financing. While a higher credit score can certainly help, it's important to remember that VA loans in Brevard, FL are designed to help military members and veterans access affordable housing.
05
Benefit:
Help with Closing Costs
Closing costs are an inevitable part of the home-buying process, no matter what type of mortgage product you choose. However, if you're a veteran, you may be pleased to know that the VA places limits on the fees and costs you're required to pay at the time of closing. Additionally, homebuyers have the option to ask sellers to cover all loan-related closing costs, as well as up to 4 percent of the purchase price for other expenses like prepaid taxes, insurance, and collections.
02
Benefit:
No Need for Private Mortgage Insurance
Coming up with a down payment can be challenging for both conventional and FHA homebuyers. In addition, they are required to pay for mortgage insurance unless they can make a sizable down payment, usually 20% of the purchase price. For instance, on a $400,000 mortgage, this would be a staggering $80,000 in cash.
FHA loans carry an upfront mortgage insurance premium and annual mortgage insurance. The latter now lasts for the life of the loan. On the other hand, conventional homebuyers will pay this monthly cost until they have built up enough equity, which can take several years.
Fortunately, VA loans do not require any mortgage insurance. However, there is a mandatory funding fee that goes directly to the Department of Veterans Affairs. Borrowers with a service-connected disability are exempt from paying this fee, which helps keep the program going for future generations.
04
Benefit:
Bankruptcy and Foreclosure
If you've experienced a financial setback such as a foreclosure, short sale, or bankruptcy, you may be worried about your chances of securing a VA home loan. However, don't lose hope just yet. With VA loans, it's still possible to be eligible for a home loan just two years after a foreclosure, short sale, or bankruptcy. In some cases, veterans who file for Chapter 13 bankruptcy protection can be eligible for a VA loan just a year after the filing date.
It's worth noting that the waiting periods for conventional or FHA financing can be significantly longer than those for VA loans. Additionally, even if you've lost a VA-backed mortgage to foreclosure, you may still be eligible for another VA loan.
So, if you're a veteran who's experienced a financial setback but still dreams of owning a home, don't give up hope. Explore your options and see if a VA loan with Mission One Mortgage could be the solution you need.
06
Benefit:
DTI Ratio Flexibility
It's important to keep in mind that VA lenders typically prefer borrowers to spend no more than 41 percent of their gross monthly income on major debts, such as mortgage payments or student loans. However, it's possible to get a VA home loan even if you have a higher DTI ratio. Some lenders may offer up to 55 percent or more depending on your credit score and ability to meet additional income requirements. This can give homebuyers more flexibility and greater purchasing power when it comes to finding their dream home.
Remember - if you have any questions about the benefits you just read about - like what credit score Mission One Mortgage requires for a VA loan - contact our office today. It would be our pleasure to help you navigate the VA loan process, one step at a time.
(843)822-5685How to Determine Your VA Loan Eligibility
One of the most common questions we get at Mission One Mortgage revolves around VA loan eligibility. Who is actually eligible for this type of loan? What are the requirements for getting a VA loan? If you meet the following requirements, chances are you'll be eligible for a VA loan.
- If you have completed 90 days of service during wartime or 181 days of service during peacetime, you may qualify as an active-duty military member or veteran.
- If you have served in the National Guard or Reserve for a minimum of six years, or have completed 90 days of active duty under Title 32 orders, with at least 30 of them being consecutive, you may be eligible for a VA loan in Brevard, FL.
- If your spouse was a service member who passed away while on active duty or due to a service-connected disability, and you haven't remarried, you may be eligible for a VA loan. In some cases, surviving spouses who remarried after the age of 57 and after Dec. 16, 2003, may also be eligible. Spouses of prisoners of war or service members missing in action may also be eligible for VA loans, as well.
- You meet the necessary requirements for credit and income to be eligible for a VA loan. It's important to note that while the VA doesn't set a minimum credit score for VA loans, individual lenders may have their own standards. In addition to credit, your lender will also evaluate your income and debts to assess your ability to repay the mortgage.
- The property you're interested in purchasing complies with the necessary safety standards and building codes. It's also worth mentioning that in most cases, the borrower is required to make the residence their primary home within 60 days of purchase. However, there are certain circumstances in which this timeline can be extended up to 12 months.
Follow These 5 Steps to Begin the VA Home Loan Process
Curious what the general steps are for purchasing a home with a VA loan? You're not alone. Keep reading to get a feel for what you have to do to enjoy the wonderful benefits of homeownership.
When applying for a VA home loan benefit, the Certificate of Eligibility (COE) is an important document that verifies your eligibility to your lender. If you have already used your VA loan benefit in the past, a current COE can help you determine how much remaining entitlement you have. Additionally, it can ensure that your entitlement has been restored for previous VA-backed loans that were paid in full.
After you've applied for your COE, it's a good idea to examine your finances. We're talking about items such as income, expenses, credit profile, and your monthly budget. That way, you know for sure that you're ready to purchase a home.
As a veteran, you have the choice of going through a bank, credit union, or a private VA mortgage company like Mission One Mortgage. Most lenders will have different loan interest rates and fees, so it's important to shop around. Remember - Mission One specializes in VA loans in Brevard, FL. Other lenders, such as large corporations and banks, often can't match the expertise and attention to detail that Mission One provides to veterans.
During this phase, it's a good idea to meet with a range of real estate professionals. Try to choose an agent who has experience processing and overseeing VA loans. Once you select an agent, you can bring your lender's pre-approval letter to their office and begin shopping.
This is the best part of the VA loan process, other than getting the keys to your new home. When looking for a house, remember to look at homes within your price range and budget. Lean on your real estate agent, friends, and family for help in your search.
A Word of Advice from Mission One Mortgage
If you're thinking about buying a home, it's important to weigh the pros and cons of homeownership. While renting can provide flexibility and less responsibility for maintenance, it comes with the risk of rent increases, potential property sales, and uncertainty about security deposit refunds.
On the other hand, owning a home can offer relatively stable mortgage payments and an opportunity to build long-term wealth for you and your family. Before making a decision, it's crucial to determine your priorities, such as your monthly budget for mortgage payments and other expenses like transportation and childcare. Ultimately, only you can determine what's best for your housing and financial needs.
The Key to Homeownership Starts with a VA Loan in Brevard, FL
At Mission One Mortgage, we take immense pride in simplifying the mortgage process and ensuring that our clients experience minimal stress. We understand that navigating the world of mortgages can be daunting, which is why we are committed to making it as smooth as possible.
By choosing to work with us, you're not just getting a mortgage broker - you're selecting a partner who is devoted to your financial well-being and dedicated to helping you achieve your dream of homeownership. By working together, we can work through the VA loan process one step at a time.
That rings true for all of our clients, but especially the U.S. Veterans we serve. In fact, we specialize in VA mortgages and are proud to offer them to US Veterans, those on Active Duty, and their spouses. VA Loans are one of the best mortgages available, offering no down payment requirements, no PMI, and some of the most favorable rates and terms.
If you're ready to take the next big step in your life and provide stability for your family with a place to call home, contact our office today. You're closer to the dream of home ownership than you might think.
Want to know more?
Clarify your Queries Call Us Now! (843)822-5685
Latest News in Brevard, FL
2 more Brevard brew venues shut down operations, bringing the total to 3 this week
Amber Olesenhttps://www.floridatoday.com/story/entertainment/dining/2025/01/03/three-brevard-brew-venues-close-viera-melbourne-cocoa-village-beer-bier-garten-mr-brews-taphouse/77412314007/
Just days after the news that World of Beer Viera would close for good, two more Brevard brew restaurants have shut down their operations, too.Both Mr. Brews Taphouse in Melbourne and ...
Just days after the news that World of Beer Viera would close for good, two more Brevard brew restaurants have shut down their operations, too.
Both Mr. Brews Taphouse in Melbourne and Village Bier Garten Restaurant in Cocoa Village announced closures this week.
This means the loss of three local brew venues in one week, as World of Beer Viera's last day was Dec. 31.
More:World of Beer Viera closes after 15 years: Here's what owner says led to decision
Village Bier Garten closes in Cocoa Village
A Thursday evening social media post regarding the Bier Garten stated, "We are closed until further notice. Thank you to all of our loyal patrons."
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FLORIDA TODAY spoke with Blake Copperud, an analyst working with the Bier Garten who said he is currently assessing the situation regarding the closure and exploring potential options for selling the lease. Cooperud acknowledged the challenges posed by the competitive and tough industry.
Village Bier Garten was in the heart of Cocoa Village at 415 Delannoy Ave., offering a wide variety of German foods, beers and live entertainment five days a week.
More:Grand opening: Brevard native brings innovative Asian fare to new Cocoa Beach restaurant
Mr. Brews Taphouse closes after three years
Mr. Brews owners Brent and Gina Phillips announced this week's shutdown of their Melbourne pub in a short Facebook post. Located at 3945 W. Eau Gallie Blvd., Mr. Brews opened in 2021.
"After 1,351 incredible days of shared laughter, struggles, and unforgettable connections, the time has come to say goodbye. With a heavy heart, we announce the closure of Mr. Brews Taphouse – Melbourne," they said.
"To our loyal customers, amazing staff, and supportive business partners: thank you from the depths of our hearts. Your unwavering support through every high and low has meant the world to us."
Mr. Brews had an extensive selection of beers on tap, craft burgers and wings, as well as special events and the NFL Sunday Ticket for game days.
Amber Olesen is FLORIDA TODAY's food and dining reporter. Reach her at aolesen@floridatoday.com
10-foot great white shark pinged off Florida Coast near Brevard County
Annabelle Sikeshttps://www.fox35orlando.com/news/great-white-shark-florida-coast-brevard-county
10-foot great white shark pinged off Florida coastAn OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast. The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.The BriefAn OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast.The data shows the shark near the Brevard County area as rece...
10-foot great white shark pinged off Florida coast
An OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast. The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.
The Brief
An OCEARCH tracker pinged a 10-foot, 522-pound great white shark this week off the Florida coast.
The data shows the shark near the Brevard County area as recently as 11 a.m. Friday morning.
The shark, who has been named Penny, was first pinged Dec. 23, 2023, off the coast of Boynton Beach, Florida. She then traveled further southwest into the Florida Keys before heading into the Gulf of Mexico.
Penny was pinged again southeast in the Florida Keys area before circling up to waters off Sanibel Island.
The data shows Penny was last pinged in the Florida Keys area on March 23 before next being picked up on April 17 on the northeastern Florida coast. She appears to have traveled as far north as New Brunswick, Canada, before again heading south towards Florida.
Dr. Toby Daly-Engel, the director of the shark conservation lab at Florida Institute of Technology, said sharks typically swim south for the winter.
"When the prey fish seek out the warmer water in the wintertime when the water up north gets cold, the sharks will follow," Daly-Engel said.
Daly-Engel said the pings allow researchers to track how animals adapt to climate change.
"Just like birds, they're relying on their temperature cues to say, 'Ope, it's time to get back up north. Pack up your stuff, we're going back,'" Daly-Engel said. "If those temperature cues start coming earlier in the year, they're going to start moving earlier."
Penny is OCEARCH's 92nd great white shark tagged in western North America.
OCEARCH named Penny after residents of the Salty Penny Canvas in North Carolina, who helped the organization with custom marine canvas projects that provide a comfortable experience on the water and allow them to operate in tougher conditions.
Penny and other great white sharks, as well as loggerhead sea turtles, can be tracked using OCEARCH's tracking tool here.
New Year's Eve events around Brevard
Florida Today staffhttps://www.floridatoday.com/story/entertainment/2024/12/24/new-years-eve-events-around-brevard-melbourne/76574315007/
Noon Year's Eve at Brevard ZooThe whole family can celebrate the new year without staying up past anyone's bedtime at Brevard Zoo, 8225 N. Wickham Road, Melbourne. Noon Year's Eve will take place on Tuesday, Dec. 31 from 10 a.m. to noon. It will feature a ball drop and a complimentary sparkling juice toast. Enjoy crafts, games and music as well. All activities are free with zoo admission. Visit brevardzoo.org....
Noon Year's Eve at Brevard Zoo
The whole family can celebrate the new year without staying up past anyone's bedtime at Brevard Zoo, 8225 N. Wickham Road, Melbourne. Noon Year's Eve will take place on Tuesday, Dec. 31 from 10 a.m. to noon. It will feature a ball drop and a complimentary sparkling juice toast. Enjoy crafts, games and music as well. All activities are free with zoo admission. Visit brevardzoo.org.
New Year’s Eve gala dinner and dance in Melbourne
Rock & Roll Revue, a 12-piece ensemble of Melbourne Municipal Band, presents an elegant New Year’s Eve celebration starting at 7:30 p.m. on Dec. 31 at the Hilton Melbourne, 200 Rialto Place. The festivities open with a three-hour open bar, followed by an elegant dinner and floor show featuring the Swingtimers Vocal Trio. Afterwards, the band will play for guests’ dancing pleasure until 12:30 a.m. Black tie attire is suggested. Tickets are $140. Call 321-339-7705 or visit mmband.org.
New Year's celebration at Hotel Melby
Celebrate New Year's eve in style at The Landing at Hotel Melby, 801 E. Strawbridge, Ave., Melbourne, on Dec. 31 from 9 p.m. to 1 a.m. Enjoy premium food and beverage offerings, dancing with DJ Shane and a champagne toast. Tickets are $179, and VIP tickets that include early check-in, a private lounge area and a bourbon tasting are available for $229. Visit hotelmelby.com or eventbrite.com.
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New Year's Eve party at Cadillac Cove
Celebrate New Year's Eve at Cadillac Cove, 1462 Hwy. A1A, Satellite Beach, on Dec. 31 starting at 7:30 p.m. The event will include a buffet, dancing, signature cocktails and drinks and a champagne toast at midnight. Tickets are $40 in advance, or $45 at the door. Visit cadillaccovebarandeatery.com or eventbrite.com.
'Pretty in Pink' New Year's Celebration at Lourdes Library
Lourdes Library, 587 W. Eau Gallie Blvd., Unit 105, Melbourne, will host a "Pretty in Pink" party on Tuesday, Dec. 31 from 6 p.m. to 2 a.m. Celebrate the arrival of 2025 with a glamourous pink-tinted soiree, including pink-themed decor, a champagne toast at midnight and other surprises. Dress in elegant attire with a pop of pink. Visit facebook.com/events/1278538673472320 or lourdeslibrary.com.
Neon Glow Party at The Salty Fox
The Salty Fox, 602 W. Eau Gallie Blvd., Melbourne, will host a neon glow party to ring in the new year on Tuesday, Dec. 31 starting at 7 p.m. Dance the night away under glowing neon lights with electrifying vibes, specialty cocktails and a midnight champagne toast. Dress to glow in neon and white attire. Visit facebook.com/events/504225921950804 or thesaltyfox.net.
Do you have a community event? Email tgif@floridatoday.com at least three weeks in advance for consideration for the Things to Do roundup.
Whether you're interested in music, theater, festivals or other local entertainment, FLORIDA TODAY has got you covered. Support local journalism by subscribing at Special Offers - USAToday Network.
Your guide to Christmas and holiday events in Brevard for Dec. 20 through 26
Christina LaFortunehttps://www.floridatoday.com/story/entertainment/2024/12/18/your-guide-to-christmas-and-holiday-events-in-brevard-for-dec-20-26-melbourne-viera-cocoa-village/76732166007/
Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.Holiday bike parade in Cocoa VillageThe parade will be at Riverfront Park, 401 Riveredge Blvd., Cocoa, on Friday, Dec. 20, from 6 to 8 p.m. This unique experience features holiday music and refreshments. Prizes will be awarded for best-decorated individual, young family, adult group, best use of Hot Cocoa, and best Cocoa Village business. Admission is free with a donation...
Due to potential changes and cancellations, we encourage you to check with presenting organizations about the status of their events.
Holiday bike parade in Cocoa Village
The parade will be at Riverfront Park, 401 Riveredge Blvd., Cocoa, on Friday, Dec. 20, from 6 to 8 p.m. This unique experience features holiday music and refreshments. Prizes will be awarded for best-decorated individual, young family, adult group, best use of Hot Cocoa, and best Cocoa Village business. Admission is free with a donation of hygiene or clothing items. Visit visitcocoavillage.com.
Family Christmas Extravaganza in Palm Bay
The House Church and the City of Palm Bay host this Christmas party at Fred Poppe Regional Park, 1951 Malabar Road, Palm Bay, on Saturday, Dec. 21 from 10:30 a.m. to 5 p.m. It will include food, entertainment, inflatables, pony rides, face painting and more. Admission is free. Visit facebook.com/events/818001649934227 or familychristmasextravaganza.com.
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Merry Tuba Christmas concert in Cocoa
TubaChristmas will give a free Christmas concert at First Baptist Church of Cocoa, 750 Brevard Ave., on Saturday, Dec. 21 at 6 p.m. Tuba, baritone and euphonium players of all ages are welcome to participate. Player registration is from 2 to 2:30 p.m., with a rehearsal following from 2 to 4 p.m. Visit tubachristmas.com.
Galmont Ballet’s “Nutcracker” at Cocoa Village Playhouse
The Galmont Ballet will perform their annual production of “The Nutcrackercocoavillageplayhouse.com.
Film screening: ‘It’s a Wonderful Life’
The 1946 classic film will be shown at Cocoa Village Playhouse, 300 Brevard Ave., Cocoa, on Monday, Dec. 23 at 6:30 p.m. In the film, an angel (Henry Travers) is sent from heaven to help a desperately frustrated businessman (James Stewart) by showing him what life would have been like if he had never existed. Tickets are $10. Call 321-636-5050 or visit cocoavillageplayhouse.com.
Surfing Santas in Cocoa Beach
Christmas Eve morning is Santa's last chance to catch some waves before his big midnight sleigh ride, and hundreds of Santa-costumed surfers take part of this popular annual tradition in front of Coconuts on the Beach, at the end of Minuteman Causeway in Cocoa Beach. Admission is free, both for surfers and spectators. It will start at 7:30 a.m. Dec. 24. Visit surfingsantas.org for event updates.
Live theater around Brevard:
Do you have a community event? Email tgif@floridatoday.com at least three weeks in advance for consideration for the Things to Do roundup.
Vintage vibes:'It's a Wonderful Life' hits the stage - and the 'airwaves' - at Melbourne Civic Theatre
No humbug here:One man, one stage, and the spirit of 'A Christmas Carol' at Titusville Playhouse
On a budget?Thoughtful, creative gifts don't always come with a big price tag
How to cope with the holidays:For introverts, the holidays can mean social overload.
Whether you're interested in music, theater, festivals or other local entertainment, FLORIDA TODAY has got you covered. Support local journalism by subscribing at Special Offers - USAToday Network.
Christina LaFortune is the Entertainment and TGIF Editor at FLORIDA TODAY. Follow her on Facebook at facebook.com/christinalafortune or send her an email at clafortune@floridatoday.com.
Which Brevard grocery stores are open, closed on Christmas? Where can I find milk and more?
Amber Olesenhttps://www.floridatoday.com/story/news/2024/12/11/which-brevard-grocery-convenience-stores-are-open-on-christmas/76406099007/
Christmas is knocking on the door and whether you're desperate for a last-minute gallon of milk or batteries for the grandkids' newest motorized toy, knowing in advance which stores are open Dec. 25 can ease the panic.We've made a list of local stores' hours for Christmas Day — convenience stores and drugstores as well as grocery stores. Happy hunting!AldiAldi stores are closed...
Christmas is knocking on the door and whether you're desperate for a last-minute gallon of milk or batteries for the grandkids' newest motorized toy, knowing in advance which stores are open Dec. 25 can ease the panic.
We've made a list of local stores' hours for Christmas Day — convenience stores and drugstores as well as grocery stores. Happy hunting!
Aldi
Aldi stores are closed on Christmas Day.
Circle K
Most locations are open 24/7.
More:Pre-order a just-like-home Christmas takeout meal from these Brevard restaurants, stores
CVS
Many locations will remain open on Christmas; others may be closed or have reduced hours. Call ahead to confirm.
Cumberland Farms
Locations are open on Christmas Day.
Fresh Market
Fresh Market will be closed on Christmas Day.
Publix
Publix will be closed on Christmas Day.
7-Eleven
Store operation hours on Christmas Day vary by location.
Target
Target will be closed on Christmas.
Walgreens
Many locations will remain open on Christmas; others may be closed or have reduced hours. Call ahead to confirm.
Walmart
Walmart will be closed on Christmas.
Wawa
Wawa is open on Christmas Day.
Winn-Dixie
Winn-Dixie will be closed on Christmas Day.
Amber Olesen is FLORIDA TODAY's food and dining reporter. Reach her at aolesen@floridatoday.com.
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