VA Home Loans in Southern California
Zero down, no monthly mortgage insurance, and competitive rates. A benefit you earned through your service.
- 30+ years of experience
- $0 down payment
- Purchase and refinance
What Is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members, and surviving spouses.
That guarantee lets you buy with no down payment and no monthly mortgage insurance, often at lower rates than other loan types.
Why Choose a VA Loan?
One of the most powerful home loan benefits available anywhere.
$0 Down Payment
Buy with no down payment, even in high-cost Southern California.
No Monthly PMI
Save hundreds a month compared with low-down-payment loans.
Flexible Credit
Guidelines built to help service members qualify.
Lower Closing Costs
VA limits certain fees, and sellers can help cover costs.
Assumable Loan
A future buyer can take over your rate when you sell.
Reusable Benefit
Use your VA benefit again for your next home.
Do You Qualify?
If you’ve served, you may already qualify. Here’s what you’ll need:
- Qualifying military service or eligible surviving spouse
- A Certificate of Eligibility (we can request it for you)
- Steady income that covers your expenses
- A home you’ll live in as your primary residence
- A property that meets VA minimum standards
Find Out What You Qualify For
Get a free pre-approval, often the same day. No obligation.
Prefer email? Send us a messageVA Loan Questions
Who is eligible for a VA loan?
Most veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and some surviving spouses.
Do I really need no down payment?
Yes. With full entitlement, you can buy with $0 down, and there’s no VA loan limit. Putting money down can lower your funding fee.
What is the VA funding fee?
A one-time fee that keeps the program running. It’s a percentage of the loan based on your down payment and whether you’ve used the benefit before, and it can be added to the loan. Veterans receiving VA disability compensation are exempt.
Can I use a VA loan more than once?
Yes. Your entitlement can be restored when you sell and pay off the loan, and in some cases you can have two VA loans at once.
Can I refinance a VA loan?
Yes. A VA Streamline (IRRRL) can lower your rate with less paperwork, and a VA cash-out refinance lets you tap your equity.
How do I get my Certificate of Eligibility?
We can usually pull it for you online in minutes. You can also request it through the VA.
Run the Numbers First
See how much home you can afford and how owning compares with renting.
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Tell Us Your Goals
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We Compare Your Options
We review your finances and find the best loan for you.
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Shop for homes and make offers with confidence.