For Veterans, Active Duty, and Surviving Spouses
VA Home Loans You Earned This Benefit. Let's Use It.
The VA loan is one of the most powerful home financing tools available anywhere. Zero down payment. No private mortgage insurance. Competitive rates. And it is a benefit you earned through your service.
Schedule Your Free ConsultationWhat Makes the VA Loan Different
No other loan program combines these benefits in one package. If you are eligible, the VA loan is almost always worth looking at first.
Zero Down Payment
100% financing available for eligible borrowers. You can purchase a home without any down payment, preserving your savings for reserves, moving costs, or other needs.
No Private Mortgage Insurance
Conventional loans with less than 20 percent down require PMI, which adds to your monthly payment. VA loans have no PMI requirement. That savings adds up significantly over time.
Competitive Rates
VA loans typically carry rates at or below conventional loan rates because the government backing reduces lender risk. I shop over 100 wholesale lenders to find you the most competitive rate available.
Reusable Benefit
Your VA entitlement can be used more than once. If you have paid off a previous VA loan or sold the property, your entitlement can be restored. Multiple concurrent VA loans may also be possible depending on your remaining entitlement.
Flexible Credit Guidelines
VA loans have more flexible credit requirements than conventional loans. There is no official VA minimum credit score, though individual lenders set their own guidelines. I work with lenders across the spectrum to find the right fit.
CalHFA VA Program
California veterans may also be eligible for the CalHFA VA program, which layers closing cost assistance on top of the VA loan. 100% LTV first mortgage with a 30-year fixed rate, plus the MyHome Assistance Program for closing costs up to 105% CLTV.
Who Is Eligible for a VA Loan?
Eligibility is based on your service history. Generally you may qualify if you meet one of the following:
Active Duty Service Members
Currently serving on active duty with at least 90 continuous days of service.
Veterans
Honorably discharged veterans who have met minimum active duty service requirements. Service length requirements vary based on when and how you served.
National Guard and Reserves
Members of the National Guard or Reserves who have completed at least 6 years of service, or who have been called to active duty and served the required time.
Surviving Spouses
Unremarried surviving spouses of service members who died in the line of duty or as a result of a service-connected disability may be eligible.
Not sure if you qualify? I will help you verify eligibility and obtain your Certificate of Eligibility as part of the process. You do not need to figure this out on your own.
The One Cost to Understand: The VA Funding Fee
The VA loan does not have PMI, but it does have a one-time funding fee. This fee goes to the VA to keep the program running for future generations of veterans. It ranges from roughly 1.25 to 3.3 percent of the loan amount depending on your down payment, loan type, and whether it is your first time using the benefit.
The good news is that the funding fee can be rolled into your loan amount, so it does not have to come out of your pocket at closing. And some veterans are exempt entirely, including those receiving VA disability compensation.
I will show you exactly what the funding fee looks like for your specific situation in your Itemized Fee Worksheet so you can compare the true cost against other loan options side by side.
As first-time homeowners using a VA loan, my husband and I couldn't have asked for a better lending team. From start to finish, the entire process was smooth, transparent, and incredibly supportive. If you're a military family, first-time homebuyer, or anyone looking for a lender who truly cares, this is the team you want on your side.
Alondra Crisantos
First-Time VA Homebuyer, Verified Google Review
Common Questions
Can I use a VA loan more than once?
Yes. VA entitlement can be restored after a previous VA loan is paid off or the property is sold. In some cases you may even be able to have two VA loans at once depending on your remaining entitlement and loan amounts. We will review your entitlement status as part of your consultation.
Do I have to put zero down, or can I put money down if I want to?
You can put money down if you choose. Putting down 5 percent or 10 percent reduces your funding fee and your monthly payment. I will show you both scenarios so you can decide what makes the most sense for your financial picture.
Is the VA loan always the best option for veterans?
Usually yes, but not always. For veterans with strong credit and a solid down payment saved, conventional can sometimes be competitive depending on the funding fee and loan amount. My job is to run both scenarios side by side and show you the actual numbers. You make the decision with full information.
What is a Certificate of Eligibility and do I need it before we start?
A Certificate of Eligibility confirms your VA entitlement to lenders. You do not need it in hand before our first conversation. I can help you obtain it as part of the process. Many COEs can be pulled electronically in minutes.
Let's Talk About Your VA Benefits
Schedule a free consultation and I will walk you through your eligibility, your entitlement, and exactly what the VA loan looks like for your specific situation.
Schedule Your Free ConsultationOr call (916) 708-8555
All loans subject to credit approval and property appraisal. Rates and terms subject to change. Not a commitment to lend. VA loan eligibility subject to VA guidelines. Examples shown are for illustrative purposes only.