THE VA IN California

VA loans have been helping California residents since 1934

An VA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

California First Time Home Buyer Loan

This VA loan program was created to help increase homeownership. The VA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in California with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special VA loan program.

California VA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as VA Mortgage Interest Rates continue to decline.

California VA Debt Consolidation

An VA Debt Consolidation Loan can change your life, and we can connect you to an VA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

California VA Home Loan

How it works:

√  Determine the type of VA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one VA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  VA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the VA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your VA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

California VA Lending Limits 2025

California Median Home Sale Price Price

VA Loan Information

The VA (Veterans Administration) does not lend money. A VA Loan is backed by the Department of Veterans's Affairs and issued by individual VA Approved Lenders.

 

Our mission is to help you find the best VA Approved Lender who can help you secure financing.

 

When you fill in our short application we will provide your information to one, (and only one)  VA Approved Lender who can help you based upon many factors, including your State, the type of VA Loan, and your Credit History.

 

VA News 2025

  • The VA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The VA  is part of HUD & backs individual VA Approved Lenders.

  • HUD Announces Changes to VA Multifamily Mortgage Insurance Programs Home Loan: VA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families. 

  • VA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation

  • Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Veterans Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,

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