VA home loans · For those who served
VA Home Loans for San Diego Veterans and Service Members
A VA purchase loan has no PMI, and the VA doesn't set a loan limit if you have full entitlement. I'm a broker, so I shop your file across a network of wholesale lenders instead of one bank's rulebook. It starts with your Certificate of Eligibility from the VA.
Your Certificate of Eligibility comes first, and your loan officer can request it for you.
Who it fits
VA loans are for people who served. That covers veterans, active duty service members, National Guard and Reserve members, and some surviving spouses, and the first step for all of them is a Certificate of Eligibility from the VA. If you're stationed in San Diego or finished your service here, I'll help you get that certificate and then shop your file across my lenders.No monthly mortgage insurance
A VA purchase loan has no private mortgage insurance and no monthly premium, so that money stays in your budget instead of paying to protect the lender. There's a one-time funding fee instead. If you get VA compensation for a service-connected disability, you don't pay that fee at all, and I'll check that with you up front.Certificate of Eligibility
A VA home loan needs a Certificate of Eligibility from the VA. It's the VA's proof that you're eligible, and I'll help you request yours so it isn't sitting on your to-do list. Start it early.The home you live in
This is the loan for the home you'll actually live in, from a house to a condo. One bank's rulebook isn't the only one. As a broker, I shop your file across a network of wholesale lenders and find the one whose rules fit the San Diego home you want.
What to know.
The essentials, in plain English.
- No monthly mortgage insurance
- Most loans with a small down payment add monthly mortgage insurance. VA loans don’t. Most borrowers pay a one-time funding fee, and some veterans are exempt.
- Less cash up front
- VA loans can ask for less down than most other loans, which keeps more of your savings in reserve. Your loan officer walks you through the full terms.
- Limits on what you’re charged
- The VA limits some of the fees a veteran can be charged, and sellers can pay some of your closing costs.
- Someone who knows the VA process
- Your loan officer handles the Certificate of Eligibility, the funding fee questions and the VA appraisal with you, so the paperwork isn’t yours alone.
Common questions
Can I use my VA benefit more than once?
Yes. Your entitlement can be restored after a VA loan is paid off, and in some cases you can have more than one VA loan.
What is the VA funding fee?
A one-time fee that helps fund the program. It depends on your service, the loan and whether you have used the benefit before, and many borrowers add it to the loan. Veterans with a service-connected disability are usually exempt.
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Put your VA benefit to work.
Andrew starts with your eligibility and handles the VA paperwork alongside you.