VA Home Loans
VA Guaranteed Home Loans are made by private lenders and the VA, ie the U.S. Department of Veteran Affairs guarantees them for eligible veterans to purchase a home, Single Family, Condominiums, and 2-4 unit multi family homes. The VA guaranty protects the lender against loss if the Veteran fails to repay the loan. No down payment is required on most VA guaranteed home loans and the veteran borrower usually receives a very competitive interest rate compared with other loans.
Here are some of the benefits with VA loans:
- Competitive fixed interest rates or Adjustable Rate Hyrbid options
- Zero down payment required – up to your County VA Loan Limit
- Closing costs are typically lower than conventional or FHA Loans
- NO PMI
- No Prepayment Penalties
- VA Loans are assumable to qualified Veterans – makes your home more saleable
- New VA Jumbo Loans allow higher 100% financing for VA Loans
- You can exceed the county VA loan limits by contributing a down payment (usually smaller than what is required on conventional or FHA Loans)
- VA Jumbo Loans info here.
Check out the California County VA Loan Limits
Check out the Washington State County VA Loan Limits
VA Loans do not require mortgage insurance, however the VA requires a funding fee to issue a guarantee to a private lender against future VA borrower default on a mortgage.
The VA Funding Fee can be Financed into the loan (typical) or paid in cash by the buyer or seller.
VA loans can be used to buy a home, refinance your home, consolidate debts, or just lower your interest rate.
VA Loans require a Certificate of Eligibility from the VA. which must be obtained to qualify for a VA loan.
Call us to get started, we can help you attain your VA Certificate of Eligibility and get Pre-approved for your VA Loan.
We serve the Following areas of California (just to name a few)
661 Arvin, Bakersfield, California Hot Springs, Castaic, Cuyama, Delano, Earlimart, Frazier Park, Gorman, Lancaster, northern Los Angeles County, McFarland, McKittrick, Mojave, Newhall, Oildale, Palmdale, Rosamond, Santa Clarita, Shafter, Taft, Tehachapi, Valyermo, Wasco
707 Annapolis, Arcata, Asti, Benicia, Bodega Bay, Boyes Hot Springs, Calistoga, Clearlake, Cotati, Crescent City, Dixon, Eureka, Fairfield, Ferndale, Fort Bragg, Geyserville, Gualala, Guerneville, Healdsburg, Hopland, Lakeport, Middletown, Napa, Orick, Petaluma, Petrolia, Rohnert Park, St. Helena, Santa Rosa, Sonoma, Suisun City, Tomales, Ukiah, Vacaville, Vallejo, Willits, Yorkville, Yountville, Wine Country,north coast
714 South Coast, Orange County, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Fountain Valley, Fullerton, Huntington Beach, La Palma, Orange, Placentia, Santa Ana, Silverado, Stanton, Villa Park, Westminster, Yorba Linda
760 Adelanto, Apple Valley, Barstow, Bishop, Blythe, Borrego, Brawley, Bridgeport, Calexico, California City, Carlsbad, Cathedral City, China Lake, Coachella, El Centro, Encinitas, Escondido, Fairview, Fallbrook, Ft. Irwin, Hesperia, Indio, Inyokern, Julian, La Quinta, Lake Isabella, Lee Vining, Mammoth Lake, Mono Lake, Mt. Palomar, Needles, Oceanside, Onyx, Pala, Palm Springs, Pauma Valley, Pendleton, Phelan, Pinon Hills, Ramona, Ridgecrest, San Marcos, Twentynine Palms, Victorville, Valley Center, Vista, Warner Springs, Winterhaven, Wrightwood, Yucca Valley; Death Valley,San diego
805 Arroyo Grande, Atascadero, Bradley, Camarillo, Cambria, Cape San Martin, Cholame, Fillmore, Goleta, Grover Beach, Guadalupe, Lompoc, Los Osos, Moorpark, Morro Bay, Ojai, Oxnard, Paso Robles, Pismo Beach, Point Mugu, San Luis Obispo, San Simeon, Santa Barbara, Santa Maria, Simi Valley, Thousand Oaks, Ventura
818 Agoura, Arleta, Burbank, Calabasas, Canoga Park, Chatsworth, Encino, Glendale, Granada Hills, La Canada, La Crescenta, Mission Hills, Montrose, North Hollywood, Northridge, Pacoima, Reseda, San Fernando, Sepulveda, Sherman Oaks, Studio City, Sun Valley, Sylmar, Tarzana, Van Nuys, Woodland Hills,San Fernando Valley, 818
831 Aptos, Ben Lomond, Big Basin, Big Sur, Boulder Creek, Bryson, Carmel, Castroville, Greenfield, Hollister, King City, Marina, Monterey, Pebble Beach, Salinas, San Ardo, San Juan Bautista, Santa Cruz, Scotts Valley, Seaside, Soledad, Watsonville
858 Del Mar, La Jolla, Poway, Rancho Bernardo, Rancho Santa Fe, Solana Beach,San Diego,
909 Anza, Banning, Beaumont, Big Bear Lake, Calimesa, Canyon Lake, Chino, Chino Hills, Claremont, Colton, Corona, Crestline, Devore, Diamond Bar, Fontana, Hemet, Highland, Idyllwild, La Verne, Lake Elsinore, Lakeland Village, Mira Loma, Montclair, Moreno Valley, Murietta, Norco, Ontario, Perris, Pomona, Rancho Cucamonga, Redlands, Rialto, Riverside, Rowland Heights, San Bernardino, San Dimas, San Jacinto, Sun City, Temecula, Upland, Valle Vista, Walnut, Yucaipa,Riverside, 916 El Dorado Hills, Fair Oaks, Lincoln, Roseville, Sacramento, Walnut Grove, West Sacramento
925 Antioch, Concord, Danville, Livermore, Martinez, Moraga, Orinda, Pittsburg, Pleasanton, San Ramon, Walnut Creek, inland, East Bay, 925, Dublin, San Ramon, Livermore, and Pleasanton
949 southern Orange County: Aliso Viejo, Corona del Mar,Costa Mesa, El Toro, Irvine, Laguna Beach, Laguna Niguel, Mission Viejo, Newport Beach, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Tustin
310 408 415, 510, 650, 714, 909, 310, 619, 707, 760, 442, 818, 909, 951,
