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VA Loans

Learn About Your VA Purchasing Power

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    (909) 534-0328

    VA Loans

    VA Loans

    VA Loans done without the hassle. Our VA experts will walk you through the process.

    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). We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

    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… & more.

    VA Home Loan FAQs

    A VA Loan is a type of mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). This program was created to help veterans, active-duty military personnel, and eligible surviving spouses purchase homes with favorable terms and conditions. VA Loans are provided by private lenders, but the VA guarantees a portion of the loan, which allows lenders to offer more favorable terms to borrowers.

    The VA Loan process works by first determining if you are eligible for a VA Loan based on your service history. If you are eligible, you will need to obtain a Certificate of Eligibility (COE) from the VA. This document verifies your eligibility and confirms the amount of entitlement you have to use toward a VA Loan.

    Once you have your COE, you can work with a lender to obtain a VA Loan. The lender will review your credit score, income, and other financial information to determine how much you can borrow. VA Loans do not require a down payment, but borrowers are still responsible for closing costs and other fees associated with the loan.

    The VA Loan program offers several benefits to borrowers, including no down payment, no private mortgage insurance (PMI), and competitive interest rates. Additionally, borrowers may be able to negotiate with the seller to pay some or all of the closing costs, which can help save money.

    Overall, the VA Loan program is designed to make it easier for veterans and military personnel to purchase homes and achieve the American dream of homeownership. If you are eligible for a VA Loan, it may be a great option for you to consider when purchasing a home.

    To be eligible for a VA Loan, you must meet certain service requirements. Generally, you may be eligible if you are a veteran, active-duty military member, or qualifying surviving spouse.

    To determine your eligibility, you can visit the VA’s website or work with a lender who can assist you with the process. You will need to provide documentation of your military service, such as your DD Form 214, which shows your dates of service and type of discharge.

    Once you have determined your eligibility, you will need to obtain a Certificate of Eligibility (COE). There are three ways to obtain a COE:

    1. Apply online: You can apply for a COE online through the VA’s eBenefits portal. This is the fastest and easiest way to obtain a COE.

    2. Apply by mail: You can also apply for a COE by mail by filling out VA Form 26-1880 and submitting it to the VA. This process can take several weeks, so it may not be the best option if you need your COE quickly.

    3. Apply through a lender: You can also apply for a COE through a VA-approved lender. The lender can access the VA’s Automated Certificate of Eligibility (ACE) system, which can provide the COE

    Our Service Areas

    • San Juan Capistrano
    • Laguna Niguel
    • Aliso Viejo
    • San Clemente
    • Laguna Beach
    • Mission Viejo
    • Lake Forest
    • Oceanside
    • Irvine
    • Newport Beach
    • Murrieta