ABOUT VA HOME LOANS 

va helps veterans, servicemembers, and eligible surviving spouses become homeowners. as part of the mission to service you the va provides a home loan guaranty benefits and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

va home loans are provided by private lenders, such as banks and mortgage companies. va guarantees a portion of the loan, enabling the lender to provide you with more favorable terms and helps military families buy homes with confidence and SAVES you THOUSANDS.

TOP REASONS TO USE A va HOME LOAN!!!

NO down payment REQUIRED - BUY A HOME WITHOUT THE BURDEN OF SAVING FOR A LARGE DOWN PAYMENT.

NO PRIVATE MORTGAGE INSURANCE (pmi) - SAVE HUNDREDS MONTHLY SINCE VA LOANS DON'T REQUIRE pmi.

NO VA LOAN LIMIT - unless you exceed $3 Million for purchase

NO COMPETITIVE INTEREST RATES - VA LOANS TYPICALLY OFFER LOWER RATES THAN CONVENTIONAL LOANS, SAVING THOUSANDS OVER TIME.

EASIER QUALIFICATION STANDARDS - FLEXIBLE CREDIT AND INCOME REQUIREMENTS MAKE APPROVAL EASIER TO FOR VETERANS AND SERVICE MEMBERS.

ONE-TIME VA FUNDING FEE - NO ONGOING MORTGAGE INSURANCE PAYMENTS; THE FUNDING FEE CAN EVEN BE FINANCED INTO THE LOAN.

LIMITS ON CLOSING COSTS - VA CAPS WHAT YOU CAN BE CHARGED KEEPING BUYING COSTS AFFORDABLE.

ABILITY TO REUSE THE BENEFIT - YOUR VA LOAN ENTITLEMENT CAN BE USED AGAIN, EEN AFER SELLING A PREVIOUS HOME.

ASSUMABLE LOAN OPTION - VA LOAN CAN BE TRANSFERRED TO A QUALIFIED BUYER, POTENTIALLY MAKING YOUR HOME EASIER TO SELL.

VA LOAN REFINANCING OPTION - PROGRAMS LIKE THE INTEREST RATE REDUCTION REFINANCE LOAN (IRRRLS) HELP LOWER MONTHLY PAYMENTS.

SUPPORT FOR DISABLED VETERANS - EXEMPTIONS ON THE VA FUNDING FEE AND POTENTIAL GRANTS FOR HOME MODIFICATIONS.

no income limits - NO MINIMUM OF MAXIMUM INCOME ELIGIBILITY REQUIREMENTS

NO MINIMUM CREDIT SCORE - no minimum credit score requirement

NO PRE-PAYMENT PENALTIES - pay off the loan at anytime without penalty

DISABILITY BENEFITS - for service-connected disability of 10%+ can waive fees

GOOD FOR MORE THAN ONE USE - VA Loan can be used multiple times

SAFE, SOUND, SANITARY - all homes are measured against these three standards

NO EXPIRATION DATE!!!

these benefits makes va loans one of the best mortgage options for military families, veteran, and surving spouses in competive markets in san diego. READY TO LEVERAGE YOUR VA LOAN BENEFITS? CONTACT US TODAY TO GET STARTED!!!