Your fiancee will not be able to meet the owner-occupied requirement nor the no money down benefit of a VA mortgage. It must be a spouse. If qualifying jointly your financee can be the owner-occupied borrower and you the non-occupant co-signer on an FHA mortgage.
Jeff, For your mortgage options I have a couple of quick questions. When will you be discharged from the Navy? If soon, do you have a new job or job offer in West Palm? If not soon, do you have a spouse who can owner occupy the home? If you are needing to utilize your VA benefits, the program is for owner-occupied only. And, when stationed in another state occupancy status is reviewed heavily.