Helping California’s veterans, active-duty service members, and eligible spouses achieve the dream of homeownership. With a VA home loan, you can buy with $0 down, enjoy low interest rates, and skip private mortgage insurance (PMI) one of the most valuable benefits earned through your service.
VA Loans in California
About
What Is a VA Loan?
A VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs. It’s designed to help those who served our country become homeowners more easily and affordably. Because it’s guaranteed by the VA, lenders can offer flexible approval, lower rates, and no down payment.
You may qualify for a VA home loan if you meet these basic requirements:
- Service Requirement: 90+ continuous days of active duty, or 6 years in the Reserves/National Guard.
- Credit Score: Minimum 580 (we help clients with less-than-perfect credit).
- Primary Residence: The home must be your main residence.
- Certificate of Eligibility (COE): We’ll help you obtain this directly from the VA.
Benefits
Benefits of a VA Loan
$0 Down Payment
Buy your home without saving for years.
No PMI (Private Mortgage Insurance)
Fuel your business growth with our range of business loan options. Loaner is your partner.
Lower Interest Rates
VA loans usually have lower rates than other loan types.
Flexible Credit Guidelines
Designed for veterans with diverse financial backgrounds.
Easier Refinancing
Lower your rate later with a VA Streamline Refinance (IRRRL).
Reusable Benefit
You can use your VA loan multiple times.
Types
Types of VA Loans We Offer
Fixed-Rate VA Loan
Best For: Long-term buyers
Highlights: Stable payments with 15–30 year terms
VA Jumbo Loan
Best For: Higher-priced California homes
Highlights: Use VA benefits for larger loan amounts
Adjustable-Rate VA Loan (ARM)
Best For: Short-term plans
Highlights: Lower initial rate for the first 5 years
VA Streamline Refinance (IRRRL)
Best For: Existing VA borrowers
Highlights: Simple, no-appraisal refinance process
Comparison
VA Loan VS Conventional Loan
VA Loan
- No Down Payment
- No PMI Required
- Credit Score:580+
- Lower Rates
- Eligible for Veterans & Spouses
Conventional Loan
- Down Payment: 3-20%
- PMI Required
- Credit Score:620+
- Slightly Higher Rates
- Eligible for Anyone
FAQs
Frequently
Asked Questions
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
Can I use a VA loan more than once?
Yes, your VA benefit can be reused for future home purchases.
Can surviving spouses qualify?
Yes, eligible surviving spouses of veterans may also apply.
What about closing costs?
While there’s no down payment, closing costs are typically 3–6% of the loan amount.
Can I buy an investment or vacation home?
VA loans are for primary residences only.
Still have a question?
JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.
JL Lending Team
Why Choose Us for VA Loan?
Local Experts
Serving California’s veterans with deep knowledge of the state’s housing market.
Fast, Tech-Enabled Process
Apply, upload documents, and track your loan online.
Personalized Guidance
We’re not tied to one lender — we find the best loan for you.
Contact Us
Ready to Get Started with Your VA Loan?
Your service deserves the best home loan benefits. Whether you’re buying your first home or refinancing an existing one, JL Lending Team is here to guide you every step of the way.
Start your journey today and see how much you can save with your VA benefits.