Highlights of VA Home Loans In California

VA home loans have some tremendous benefits for active military and veterans across the state of California.  This article will highlight some of the top benefits:

  • VA loan interest rates are still extremely low.  VA 30 year fixed loan rates are lower then conventional 30 year fixed loan interest rates
  • VA offers 100% financing zero down loans.  No other home loans offer zero down today.
  • The VA funding fee is waived for any veterans that have a disability rating
  • VA loan limits in California are very generous.  They are higher then conventional loan limits in many areas of California.  Some examples of current VA loan limits in California Counties: LA County $668,750, Orange County: $668,750, San Diego County: $500,000, Alameda County: $987,000, Contra Costa County, San Francisco County, San Mateo County: $987,000, Napa County: $521,250, Santa Clara:$823,750.  Many of the other counties in California such as Fresno, Kern, Shasta, Riverside, San Bernardino are $417,000.
  • VA loan online casino australia guidelines allow a VA borrower to apply for a VA loan only two years after a short sale, two years after a foreclosure and two years after a bankruptcy.  FHA and conventional financing have much longer waiting periods.
  • VA loan credit does not have to be perfect
  • You can refinance into a VA loan up to 100% of the value of your property
  • VA home loans do not have monthly mortgage insurance (as conventional and FHA home loans with less than 20% down payment do).

Read more at my Trulia Mortgage Blog.

So those are some highlights of VA financing in California in 2013.  Please don”t hesitate to call 858-922-7899 or email homeloan8@gmail.com if you have any questions about a home loan financing in California.


Rob Chomentowski

Sr. Loan Officer (and VA loan specialist)

Affinity Financial



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