VA Loans

You must be a Veteran to qualify for a VA Loans such as a VA no no or
Cal-Vet home loan. (Inquire for Exceptions if your a surviving spouse)
VA Mortgage Interest Rates and Credit Score

According to VA guidelines, your credit score does not affect VA mortgage interest rates like it might with conventional loan programs. All our VA loan rates aren’t driven by credit score because the government-backed veterans mortgage program doesn’t even have a minimum credit score. They are not even in VA qualifying guidelines. This does not provide for a tiered rate structure based on credit score alone. Often approved lenders will offer one low interest rate for most VA borrowers with qualifying credit. Lock in your low VA mortgage interest rate today. What are you waiting for? Just give us a call and get Approved and Buy Today! Call 760-486-4225 

NO MINIMUM FICO SCORE REQUIREMENT
  • Zero Down VA Loans, No down No closing costs 
  • No Monthly Mortgage Insurance Premiums
  • Competitive Interest Rates
  • No Prepayment Penalties
  • VA Guarantee for Loan Security
  • Up to 100% Seller-paid Costs on Purchase Loans
  • Easier Qualifying Standards 
  • Streamline Refinancing Available

VA Application Form          2018 needs VA and CalVet          VA 1003

Since 1944, VA loan programs have been offered to our nation’s military members. All VA loans are made only by VA-approved lenders and are backed by the Federal Government. Most veterans, active duty military personnel, surviving spouses and others may be eligible for VA home loan benefits. The VA purchase loans, regular refinance loans (including cash-out), Streamline refinancing and mortgage assumption are available with competitive interest rates and flexible terms to meet almost every budget.

The VA mortgages offer attractive features such as no cash down on purchases. It also offers no private mortgage insurance and quick and affordable Streamline refinancing. All VA loan interest rates are competitive with national mortgage rates which can change daily depending on the market. Lock in your low rate today Because the U.S. Department of Veterans Affairs guarantees every loan, approved lenders like us can offer many unique advantages over conventional loans such as 100% loan-to-value, no monthly mortgage insurance premiums and relaxed qualifying.

VA Purchase Loans

VA NO-NO, No Down Payment and No Closing Costs. VA purchase loans are exceptional because qualified military borrowers can buy primary residences valued at up to $417,000 with no money down and no private mortgage insurance. The zero-down feature of VA mortgage is popular with military members, and most choose VA purchase loans for this reason. Choose from 15- to 30-year fixed rate mortgages and even include up to $6,000 for energy efficient upgrades to your new home. We as dedicated loan professionals can assist you in customizing your purchase loan.

All of the VA purchased properties must  meet VA minimum property standards.

VA Refinance Loans

Our VA refinance loans allow eligible borrowers to get today’s low interest rates, more desirable terms or even cash out of equity they’ve accrued in their homes to pay down debts or make improvements. VA Streamline refinancing helps existing VA borrowers reduce interest rates and/or monthly payments quickly and cost-effectively, often without an appraisal.

VA Loans vs. FHA Loans

Veterans who are not eligible for VA loans may qualify for similar benefits with FHA loans. This government-backed mortgage program offers low down payments and competitive interest rates. As a dedicated lender of government-backed loans, we offer VA and FHA mortgages to assure borrowers have the best options available. Ask us about FHA loans for veterans and civilians alike. We have banks that fund the VA loans  with low fico scores and underwrite by the VA guidelines. There are some lenders out there that require a minimum fico score but the VA loans are not fico driven. Our banks also underwrite by FHA guidelines with NO FICO Scores and minimum 580 fico scores which many banks require 620 or higher fico. We specialize in Under 640 Fico Score Loans. 760-486-4225

OTHER LOAN PROGRAMS:

CalVet     FHA     Conventional     Jumbo     USDA Rural     DAP’s     Refinance