VA Loans
in California

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Military homebuyers who are looking to move into a home now can take advantage of the VA loan program to do so immediately with no down payment.

This affordable home loan program is available exclusively to veterans, active-duty service members and eligible surviving spouses. While zero down payment is probably the program’s most well-known feature, it is just one of the many benefits which make VA loans an exceptional opportunity.

What Are VA Loans?

Borrowers who are eligible for VA mortgages are able to take out home financing which is backed by the Department of Veterans Affairs (VA).

With this insurance, VA mortgages are an attractive, low risk form of financing which appeals not just the borrowers, but also to lenders. This means that lenders may accept lower credit scores while still offering affordable mortgage rates.

Advantages of VA Loans in California

Zero down payment on a VA mortgage means that you can move into a California home right away.

Interest rates on VA mortgages in California are some of the most affordable.

Closing costs are typically in the 1-3% range, if not covered by the seller.

For qualified disabled veterans, the funding fee is waived.

Paying off a VA mortgage early does not result in a prepayment penalty.

Choosing not to put a down payment on a home you are financing with a VA loan will not necessitate purchasing private mortgage insurance (PMI).

Your bargaining power with a VA mortgage tends to be high even when your credit score and DTI ratio are not ideal.

As with other types of mortgages, VA loans can be used for far more than just home purchase. You can also take out a VA mortgage for construction, repairs, upgrades or refinancing.

Who Qualifies for a VA Loan in California?

In order to be eligible for a VA mortgage in California, you must be a veteran, active-duty service member, or qualifying surviving spouse.

Any military branch is acceptable, along with activated National Guard or reserve.

There is a minimum service requirement which is contingent on the era during which you performed said service. If you served 90 days during wartime or 181 days during peacetime, there is a good chance that you qualify.

You will not be disqualified if you have previously taken out a VA mortgage. There is no limit the number of times you can use a VA loan.

VA home loan benefits do not expire. However long ago you performed your qualifying service, you can take out a VA mortgage.

Apply for a Zero Down VA Mortgage in California Now

If you are eligible for a VA mortgage, you do not need to make a down payment to move into a home. Even if your credit score or DTI ratio are not perfect, you can look forward to affordable rates, no PMI, and affordable closing costs. To find out if you qualify now, please call (818) 995-1200 or email

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