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Loan Programs

VA Loan

$0 down financing for qualifying veterans, active-duty service members, and eligible surviving spouses.

Apply for a Loan Call (949) 933-6309 →

Overview

VA loans are guaranteed by the Department of Veterans Affairs. They're a benefit earned through military service and offer some of the most competitive terms available: $0 down payment on most loans, no monthly mortgage insurance, and competitive interest rates.

Eligibility is established by a Certificate of Eligibility (COE) based on service history. The VA also has appraisal and property condition requirements designed to protect veteran borrowers — I'll guide you through the full process and pair you with a lender experienced in VA financing.

Who it's for

  • Active-duty military and veterans who meet service requirements
  • Eligible surviving spouses of service members
  • Reservists and National Guard members meeting service thresholds
  • Veterans buying a primary residence (including 1-4 unit owner-occupied properties)

What's typically reviewed

  • Certificate of Eligibility (COE)
  • Credit profile (lender overlays vary)
  • Income documentation
  • Owner-occupancy intent
  • VA-compliant appraisal

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

Browse more programs

Other programs you might be looking for

Purchase Loan

Buying your first or next home.

Asset Depletion Loan

Use liquid assets to qualify instead of income.

ITIN Loan

Financing for borrowers without a Social Security Number.

Foreign National Loan

For non-US citizens financing US property.