California VA Loans & VA Approved Properties
Benefits of VA Loans
- Zero down payment
- No monthly Private Mortgage Insurance (PMI) required
- Low rates
VA Loan Facts
Who qualifies? Active duty, national guard and reserve service members, veterans, retirees and military spouses generally qualify for a VA loan. To qualify for a VA loan, you must have been discharged under conditions other than dishonorable and meet certain service requirements. Find out if you qualify for a VA home loan here, or Contact me for assistance in determining if you qualify for a VA loan.
How do I obtain a VA home loan? Filling out VA Form 26-1880, the request for your Certificate of Eligibility, is the first step in applying for your VA home loan. This certificate is issued only through the Veterans Administration and can be found here.
Why do I pay a VA funding fee? The Veteran's Administration charges a VA funding fee to guarantee the loan to a qualified veteran. A VA funding fee is similar to Private Mortgage Insurance (PMI) but can be rolled into your VA loan. You can estimate the amount of your VA funding fee here.
What if I want to buy a home that costs more than the VA loan limit of $415,000? It is possible to use a VA loan to purchase a property that exceeds the VA loan limit of $415,000. Contact me to find out how this works.
Can I use a VA home loan to buy a condominium? VA home loans can be used to buy condominiums, but the property must meet certain qualification. Find out more about using your VA loan to purchase a condominium.
Are VA loans assumable? Yes, VA loans are assumable under certain conditions.
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