Mortgage options for veterans in California
Mortgage options for veterans in California checked below.
VA Home Loans - Veterans Benefits Administration
Main pillars of the VA home loan benefit · No downpayment required · Competitively low interest rates · Limited closing costs · No need for Private Mortgage..
What is the VA loan limit in California?
California VA Loan Limits by County for 2025
County Loan Limit
Sonoma County $877,450
Ventura County $954,500
Yolo County $766,550
All other areas $766,550
How Do VA Loans Work in California?
VA loans are not issued by the VA, but are guaranteed by them. This means that a private lender, like New American Funding, issues the loan to a qualified borrower, then the VA backs the loan.
California VA Loans | Sprint Funding, Inc
Looking for a VA loan in California or LA? Sprint Funding helps veterans secure the loans they need. Call today or apply online for fast approval!
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About Home Loans
VA helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.
VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Benefits
Purchase Loans Help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements.
Eligibility Requirements
Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.
Eligibility now includes National Guard members with at least 90 days of active service including at least 30 consecutive days under Title 32, Sections 316, 502, 503, 504 or 505.
Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE).
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How to Apply
Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through your lender, VA.gov, or by mail.