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Family

 VA Home Loans
in California

Exclusive benefits for veterans, service members, and their families — including $0 down and no
monthly mortgage insurance.

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What is a VA Loan?

VA loans are a special benefit available to veterans, active-duty service members, National Guard, Reservists, and some surviving spouses. Unlike conventional or

FHA loans, VA loans are backed by the U.S. Department of Veterans Affairs.

This backing gives lenders confidence to offer powerful benefits

that most other programs can’t match.

 

VA loans are designed to honor the service of veterans and military families by making homeownership more affordable. Here’s why so many choose this

benefit over other loan options:

$0 Down Payment

0

Buy a home without waiting years to save for a large down payment.

No Monthly Mortgage Insurance (PMI)

Save hundreds each month compared to FHA or conventional loans.

 

Competitive Interest Rates

VA loan rates are often lower than other loan types, saving you thousands over time.

Easier Qualification

Flexible credit and income guidelines help make approval simpler.

One-Time Funding Fee Only

Instead of ongoing PMI, most VA loans have a one-time funding fee (which some veterans are exempt from).

Reusable Benefit

You can use your VA loan eligibility more than once, as long as you have entitlement available.

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VA Loans -
Commonly Asked Questions

  • What is a conventional loan?
    A conventional loan is the most common type of mortgage in California. Unlike FHA or VA loans, it’s not backed by the government. That gives you more flexibility in down payments, loan terms, and property types.
  • How much do I need for a down payment?
    First-time homebuyers may qualify with as little as 3% down when they are purchasing a home in California. Many buyers choose 5–20% to lower their monthly payment.
  • Do I need a perfect credit score?
    No. Conventional loans usually start at 620 FICO. The better your score, the more likely you’ll qualify for lower interest rates.
  • Do I have to pay mortgage insurance?
    Only if you put less than 20% down. The good news is that private mortgage insurance (PMI) can be removed once you build *20% equity. *Most servicers will require closer to 78% equity.
  • How long does it take to close?
    With today’s digital process, many conventional loans can close in as little as 2–3 weeks.
  • Can I buy a rental or vacation home with a conventional loan?
    Yes! Conventional loans work for primary homes, second homes, and investment properties.
  • Are conventional loans better than FHA or VA?
    It depends. FHA and VA loans are great for certain buyers, but conventional loans offer flexibility, no upfront funding fees, and the ability to drop PMI. We’ll help compare all your options.
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