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

Laura Borja- Home Loan expert- NMLS 199107

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 basic requirements to qualify for a VA loan?

Additional Helpful Information

VA Loan Limits for 100% financing


As of 2020, an eligible borrower with full entitlement is no longer subject to loan limits. For those with partial entitlement, county based loan limits are used by VA to calculate the amount available for VA guarantee and therefore establishing the minimum down payment required by a lender.

The 2021 limits are as follows.

San Diego County: $753,250

Orange County: $822,375

Riverside County: $548,250

Los Angeles County: $822,375


Some lenders may set a max amount they will lend, even with full entitlement.  This figure is usually well over $1Million but you should check with me or your local lender for additional information.


You can find the limits for other counties in the US here: VA Loan limits by County

Search for VA Approved Condos to determine if the condo you want is eligible for VA financing. The list can be a bit cryptic so please reach out if you need help with the search.

This overview is not all inclusive and does not include all guidelines or potential qualifying situations. Contact us or your lender for additional information that applies to your situation.

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Laura Borja  | Senior Mortgage Consultant | NMLS#199107

Cell: (619) 992-4061

27271 Las Ramblas ste 350  Mission Viejo CA 920691

This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. Intended for California Consumers Only.




Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107