VA Loans.

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Program overview

The Lowdown on VA Loans…

Our VA Loan Rates Are Low & Our Process is Quick & Painless. A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

Start full application → (949) 296-0636

Why VA?

Why a VA Loan?

There are many benefits, as taken directly from the Veterans Affairs site: no down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property); buyer informed of reasonable value; negotiable interest rate… and more.

Loan features

VA programs we offer.

Fixed Rates

Adjustable Rate (ARM)

Low Down Payments

Jumbo & Super Jumbo

Terms from 5 to 30 Years

VA benefits in plain English

What a VA loan gets you.

Designed to offer long-term financing to eligible American veterans and their surviving spouses. Many of the most useful benefits are listed below.

No down payment required. Unless the purchase price exceeds the reasonable value of the property or the lender otherwise requires it.
No private mortgage insurance. Even with zero down — a significant monthly savings versus conventional or FHA.
Negotiable interest rate. Competitive market rates with VA guaranty backing.
Reasonable-value notification. The buyer is informed of the VA-appraised reasonable value before purchase.
Reusable benefit. Your VA entitlement can be used multiple times throughout your lifetime.
Assumable. A future buyer may be able to take over your VA loan, including the rate.

Benefits summarized from the U.S. Department of Veterans Affairs. We'll help you obtain your Certificate of Eligibility during the application.

FAQ

Common questions answered.

How do I get a Certificate of Eligibility (COE)?

You can request a COE from the VA website (eBenefits) or through mail. We can also help you request one as part of the application process.

What is the VA funding fee?

A one-time fee charged by the VA to offset the cost of the benefit. First-time users typically pay 2.3%. It's waived for service-connected disabled veterans (rating 0% or higher).

Can I use my VA benefit more than once?

Yes. Your VA entitlement can be reused after the first loan is paid off or sold. You can also use it again while still owing on a first loan if you have remaining entitlement.

What is a VA streamline refinance?

An IRRRL (Interest Rate Reduction Refinance Loan) is a streamlined refi available only to VA borrowers. Reduced documentation, faster approval, and can be used to lower your rate or switch from ARM to fixed.

Can my spouse use my VA benefit?

Only surviving spouses of deceased veterans can use the benefit. Spouses of living veterans cannot use the benefit directly, but can co-borrow on a VA purchase.

What if I'm disabled and the funding fee is waived?

If you have a service-connected disability rating from the VA (0% or higher), your funding fee is waived entirely. Bring your VA disability letter and we'll apply the exemption.

Backup option