VA loans · California veterans

VA loans in California, earned by your service.

VA loans are a benefit for eligible veterans, active-duty service members and certain surviving spouses, with the potential for no down payment and no monthly mortgage insurance. See if you may qualify.

  • Potential for no down payment for eligible borrowers
  • No monthly private mortgage insurance
  • Competitive options for purchase and refinance

Not a loan offer or commitment to lend. Available for California properties only. Programs, rates and terms vary and are subject to credit approval and underwriting. See licensing & disclosures.

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What brings you here?

Pick the closest match. You can change it anytime.

Your goal

How will you use the property?

This helps match you with the right program.

Property use

What’s the approximate home price or value?

A rough range is fine.

Price range

How much down payment or equity do you have?

Estimated percentage of the home’s value.

Down payment or equity

How would you describe your credit?

Your best guess. We are not checking your credit here.

Credit profile

When are you hoping to move forward?

No pressure. This helps us plan the conversation.

Timeline

Where should we send your options?

A licensed professional will follow up. We do not sell your personal information.

No credit pull. No obligation. Not a loan commitment.
Takes about a minute
At a glance

What a VA loan may offer.

VA loans are guaranteed by the U.S. Department of Veterans Affairs and made by approved lenders. Eligibility, entitlement and lender guidelines apply.

$0 downMany eligible borrowers can buy without a down payment, subject to lender and property guidelines.
No monthly PMIVA loans do not require monthly private mortgage insurance.
Funding feeA one-time VA funding fee usually applies. Some borrowers, such as those with service-connected disabilities, may be exempt.
Your homeVA loans are for a primary residence you intend to occupy.

Who it may fit

  • Veterans and active-duty service members with qualifying service
  • National Guard and Reserve members who meet service requirements
  • Certain surviving spouses
  • Eligible homeowners who want to refinance an existing mortgage

What to know first

  • You will need a Certificate of Eligibility (COE). We can help you get one.
  • The home must meet VA minimum property requirements and be appraised by a VA-assigned appraiser.
  • Lenders still review your credit, income and debts. A VA guarantee does not mean automatic approval.
  • Higher-priced California homes may need a down payment depending on your remaining entitlement and the lender.
VA FAQ

Common VA loan questions.

Who is eligible for a VA loan?

Eligibility depends on factors such as length and type of service and discharge status. Eligible groups generally include veterans, active-duty members, certain National Guard and Reserve members, and some surviving spouses. A Certificate of Eligibility confirms your status.

Do I really need no down payment?

Many eligible borrowers can purchase with no down payment, subject to lender guidelines, appraisal results and available entitlement. Some situations, especially higher-priced homes, may call for a down payment.

Can I use my VA benefit more than once?

Yes, in many cases. Entitlement can often be restored or partially reused. A licensed professional can review your specific situation.

Does taking the quiz affect my credit?

No. The quiz and calculator do not involve a credit check, and you are not obligated to apply.

Explore other California loan options

FHA loans →Refinance →Jumbo loans →
Jagdish Singh, licensed California real estate broker
Meet your broker & loan officer

Jagdish Singh

Licensed California real estate broker · Mortgage Loan Originator

I’m a licensed real estate broker working in the California market. I started as a realtor in 2016, earned my broker’s license in 2019, and have helped hundreds of families buy homes with guidance grounded in local market knowledge.

I’m committed to personalized service for clients across the region, and I’m fluent in English, Hindi and Punjabi.

  • English
  • हिन्दी
  • ਪੰਜਾਬੀ

Landstar Realty Group · DRE Broker License #02110817Jagdish Singh · DRE Broker License #02002912Mortgage Loan Originator · NMLS ID #2734008 · with H.O.M.E. Lending, NMLS ID #1786164 H.O.M.E. Lending logoVerify on DRE · Verify on NMLS Consumer Access

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