VA Home Loans

The Mortgage Benefit You Earned in Service

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment, designed to provide housing and assistance for veterans and their families.

14-Day Average Close

Fastest VA lender in CA & FL

$0 Down to $1.1M+

San Diego, OC & FL coverage

Funding Fee Waived

Veterans w/ 10%+ disability

NMLS #1238825

Licensed · CA & FL

What is a VA Loan

A Federally Guaranteed Home Loan

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.

Additionally, there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personnel that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.

History: The Veterans Administration’s Loan originated in 1944 through the Servicemen’s Readjustment Act, also known as the GI Bill. Signed into law by President Franklin D. Roosevelt, it was designed to provide Veterans with a federally-guaranteed home loan with no down payment. VA loans are made by private lenders like banks, savings & loans, and mortgage companies to eligible Veterans for homes to live in. The lender is protected against loss if the loan defaults.

Servicemen's Readjustment Act 1944

The GI Bill has helped millions of veterans achieve the American dream of homeownership.

“VA loans are made by private lenders, but guaranteed by the VA, protecting both the lender and the veteran.

Eligibility

Who Qualifies for a VA Loan?

Eligibility is based on your service record, discharge status, and relationship to a veteran. Here are the main categories.

Wartime / Conflict Veterans

Veterans who were NOT dishonorably discharged, and served at least 90 days during:

World War II – September 16, 1940 to July 25, 1947
Korean Conflict – June 27, 1950 to January 31, 1955
Vietnam Era – August 5, 1964 to May 7, 1975
Persian Gulf War, Afghanistan & Iraq – check with VA
VA website: www.va.gov

Peacetime Service

At least 181 days of continuous active duty with no dishonorable discharge. If discharged earlier due to a service-related disability, contact your Regional VA Office.

July 26, 1947 – June 26, 1950
Feb 1, 1955 – Aug 4, 1964, or May 8, 1975 – Sep 7, 1980 (Enlisted) / Oct 16, 1981 (Officer)
Enlisted after Sep 7, 1980 / Officers after Oct 16, 1981 – must have completed 24 months continuous active duty and been honorably discharged

Reserves & National Guard

Certain U.S. Citizens who served in the Armed Forces of a government allied with the United States during World War II may also qualify.

6 years of service in Selected Reserve or National Guard
OR 90+ days of federal active duty

Surviving Spouses

Un‑remarried surviving spouse of an eligible Veteran who died resulting from service, or spouse of an Armed Forces member who was listed as POW or MIA for more than 90 days.

Spouse died in service or from service‑connected disability
MIA / POW for 90+ days

Not sure if you qualify? Call us at (800) 705-5885, we’ll check your service record in minutes.

Benefits

Why Veterans Choose VA Loans

VA loans offer unmatched advantages that make homeownership more affordable and accessible.

100% Financing & No Down Payment

Purchase a home with zero down payment, one of the most powerful benefits available.

No Private Mortgage Insurance (PMI)

Unlike conventional loans, VA loans do not require PMI, saving you hundreds each month.

Competitive Interest Rates

VA loans consistently offer lower rates than conventional loans, reducing your long‑term cost.

No Prepayment Penalties

Pay off your loan early without any penalty, you have full control over your mortgage.

Qualification is Easier

More flexible credit and income requirements than conventional loans, plus the residual income test helps veterans qualify.

Sellers Pay Some Closing Costs

Sellers can contribute up to 4% of the sale price toward your closing costs, reducing your out‑of‑pocket expenses.

Eligible Properties

What Can You Buy With a VA Loan?

A VA home loan must be used to finance your personal residence within the United States and its territories. Here are your options:

Existing Single‑Family Home

Most common type, detached homes that meet VA MPR standards.

Townhouse or Condominium

Must be in a VA‑approved project. We check approval status instantly.

New Construction Residence

Buy new construction with your VA benefit, builder must be VA‑registered.

Manufactured Home or Lot

VA loans can also be used for manufactured homes and lots, subject to VA requirements.

Home Refinances

VA IRRRL and cash‑out refinance options to lower your rate or access equity.

Certain Home Improvements

Energy‑efficient improvements and some repairs may be financed with a VA loan.

How to Apply

Getting Your VA Loan Step by Step

You can apply for a VA Loan with any mortgage lender that participates in the program. Here’s what you’ll need.

Certificate of Eligibility (COE)

Submit VA Form 26‑1880 to the VA (or we’ll do it for you at no charge). Most COEs are issued electronically within minutes.

Proof of Military Service

Provide your DD‑214 (veterans), Statement of Service (active duty), or NGB Form 22 (Guard/Reserve) to verify your eligibility.

Complete Lender Application

Provide financial documentation income, assets, credit and we’ll handle the underwriting and closing process.

We’ll guide you through every step from COE to closing, often in as little as 14 days.

Reusable Benefit

Your Eligibility Can Be Restored

Yes, your eligibility is reusable depending on the circumstance. Here’s how it works.

If you have paid off your prior VA Loan and disposed of the property, you can have your eligibility restored again. Also, on a one‑time basis, you may have your eligibility restored if your prior VA Loan has been paid off, but you still own the property.

Either way, the Veteran must send the Veterans Administration a completed VA Form 26‑1880 to the VA Eligibility Center. To prevent delays, it’s advisable to include evidence that the prior loan has been fully paid, and if applicable, the property was disposed. A paid‑in‑full statement from the former lender or a copy of the HUD‑1 settlement statement must be submitted.

” VA Loans made prior to March 1, 1988 can be assumed with no qualifying of the new buyer. If the buyer defaults, the Veteran homeowner may be liable for the funds.

What to Know

Important Considerations

While VA loans are incredibly beneficial, there are a few things to keep in mind.

Processing Time

Some sellers are hesitant to work with someone obtaining a VA Loan because it can take longer than a conventional loan to process. However, our 14‑day average close is faster than most conventional loans.

Seller Negotiations

Sellers are often asked to pay a portion of closing costs (up to 4%) and therefore may be less likely to negotiate the sales price of the home. We help you navigate this.

Property Requirements

VA loans require the home to meet Minimum Property Requirements (MPRs) safety, sanitation, and structural soundness. We’ll help you identify any issues before you make an offer.

VA Funding Fee

A one‑time funding fee applies (financed into the loan) unless you’re a 10%+ disabled veteran. We identify waivers on day one.

Got Questions?

VA Home Loan FAQs

Common questions about VA loans, eligibility, and the process.

What are the service requirements for a VA loan?

Wartime veterans need 90 days of active duty. Peacetime veterans need 181 days. National Guard and Reserve members need 6 years of service or 90+ days of federal active duty. Active duty since August 2, 1990, need 90 continuous days.

Do I need a down payment for a VA loan?

No. VA loans offer 100% financing, zero down payment required for eligible veterans, provided the property appraises at or above the purchase price.

Is the VA funding fee waived for disabled veterans?

Yes. Veterans receiving VA disability compensation at 10% or higher pay zero funding fee. We identify this on the first call.

Can I use my VA loan benefit more than once?

Yes. Your entitlement can be restored after you sell the home and pay off the loan. You may also have remaining entitlement for a second simultaneous VA loan.

What types of properties are eligible?

Single‑family homes, condos (VA‑approved), townhouses, new construction, manufactured homes, and multi‑unit properties (2‑4 units) as long as you live in one unit as your primary residence.

How long does the VA loan process take?

Our average close time is 14 days from accepted offer compared to 30‑45 days at most banks. We order the VA appraisal on day one and submit to underwriting simultaneously.

Ready to Use Your VA Loan Benefit?

Our VA loan specialists are here to guide you through every step from COE to closing. Get started today.

NMLS #1238825 · Equal Housing Opportunity · Your info is never sold.