Zero down payment
Most eligible borrowers can finance up to 100% of the purchase price — no down payment required.
Residential · Government-backed
VA Loans in California
Available in California
If you've served, you've earned one of the strongest loan programs available: zero down payment, no monthly mortgage insurance, and competitive rates — backed by the U.S. Department of Veterans Affairs.
Who VA loans are for
VA loans are available to eligible veterans, active-duty service members, National Guard and Reserve members, and many surviving spouses. Eligibility is confirmed by a Certificate of Eligibility (COE), which we can help you obtain.
Why the VA loan is hard to beat
No monthly mortgage insurance
Unlike FHA and most low-down conventional loans, VA loans carry no monthly PMI, lowering your payment.
Competitive rates & flexible credit
VA backing lets lenders offer strong rates and work with a wider range of credit profiles.
What you can do with a VA loan
Purchase a primary residence, refinance an existing loan (including the streamlined VA Interest Rate Reduction Refinance Loan, or IRRRL), or take cash out of your home's equity. VA loans are for owner-occupied homes, not investment properties.
See if a VA loan is your best path
Tell us your scenario and we'll confirm eligibility and walk you through your options — no full application to start.