Your San Diego Home Loan Expert

                  Helping Military and Civilian families realize the dream of homeownership since 1990

Your San Diego Home Loan Expert

                  Helping Military and Civilian families realize the dream of homeownership since 1990

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VA Loans

 

What is a VA Loan?

 

A VA Loan is a mortgage issued by mortgage companies and other private lenders such as banks and credit unions. VA does not provide home loans, rather, the loan is guaranteed by VA. This means that the lender is protected against loss if the borrower fails to repay the loan.

 

 

What are the basics of qualifying for a VA Mortgage?

 

The First Step is to determine your eligibility for VA financing.

 

The eligibility requirements vary depending on which category applies to you.  This list is not exhaustive but includes the most common categories.

 

Click to see the requirements for each category

  • Active Duty

    90 Continuous Days of Active Duty

  • Former Active Duty

    24 continuous months

    OR

    The full period (at least 90 days) for which you were called or ordered to active duty

  • Reserves and National Guard

    1990- Present: 90 days of active service

    OR

     6 years of service in the Selective Reserve or National Guard

  • SSurviving spouses

    Unmarried spouse of Veteran who died on active duty of from service connected disability

    Spouse of a POW or MIA service member

    Surviving spouse who remarried after Dec 16, 2003 AND after turning age 57

Next is meeting the credit worthiness requirements for VA Loans

 

Click below for an overview of VA Loan Guidelines

 

Current VA loan limits for 100% financing are:

San Diego County:

Riverside County:

Orange County:

$580,750

$417,000

$625,500

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  • Active Duty
  • Former Active Duty
  • Reserves and National Guard
  • SSurviving spouses

Current VA loan limits for 100% financing are:

MENU

  • Active Duty
  • Reserves and National Guard
  • Former Active Duty
  • SSurviving spouses

  • Active Duty
  • Former Active Duty
  • Reserves and National Guard
  • SSurviving spouses

Current VA loan limits for 100% financing are:

  • Active Duty
  • Former Active Duty
  • Reserves and National Guard
  • SSurviving spouses