If you are a veteran planning on purchasing a home in
California, you my be eligible for a special VA home loan.

Step 1. Are you Eligible?
Almost all active duty and honorably discharged service
members are eligible for a VA Home Loan.

You May Be Eligible If you answer yes to any of the
following:
• Served 181 days during peacetime (Active Duty)
• Served 90 days during war time (Active Duty)
• Served 6 years in the Reserves or National Guard
• You are the spouse of a service member who was killed
in the line of duty.

The advantages of this program include:

  • Minimum fico is 640
  • 100% Financing for purchase
  • Refinance with no Income or appraisal required
  • Very low closing cost (No escrow fees)
  • No Mortgage Insurance or PMI

For more information on associated fees and coverage,
VA.gov on the California Department of Veterans Affairs
Website, or call 800-827-1000
Eligibility FAQ
Call us for pre-approval.
818-340-5900
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For Prospective Borrowers

Am I eligible for a VA Home Loan?
The simple answer is that if you received
a discharge classified as Honorable or
Under Honorable Conditions, and you
served a minimum of 90 days active duty
(not including active duty for training
purposes only), you are eligible for a VA
Home Loan.
Recent changes in the Military &
Veterans Code and VA Home Loan
funding policies have made most veterans
eligible under state law, including those
whose entire active service was during
peacetime.

There are exceptions to the 90 days
service requirement for veterans who

  • were discharged sooner due to a
    service-connected disability, or
  • are eligible to receive a U.S.
    Campaign or expeditionary
    medal, or
  • were called to active duty from
    the Reserves or National Guard
    due to a Presidential Executive
    Order.

Current members of the California
National Guard or the US Military
Reserves who have served a minimum of
one year of a six year obligation are also
eligible provided they qualify as first time
home buyers or purchase properties
located in certain Targeted Areas.