Veterans receive the best loan terms on the market: no down payment, no MI, flexible qualification standards, and a low rate.
Created in 1944 under the Servicemen’s Readjustment Act (also known as the GI Bill of Rights), the VA loan helps make housing accessible for veterans and their families. The VA streamline refinance, meanwhile, allows VA loan holders to refinance and lower their mortgage rate with minimal hassle.
No down payment required
Debt to Income ratio can be as high as 60%
Credit Score as low as 550
Flexible Qualification Standards
The VA mortgage offers an unparalleled affordable mortgage opportunity for servicemen, veterans, and their families. Benefits of the VA loan include low-interest rates, low (or no) down payment, no mortgage insurance, and a minimal financing fee.
The terms of qualification are determined by the Certificate of Eligibility issued by the VA Department. For more information, give us a call at 805.543.LOAN.
*Note: Spouses of deceased veterans are eligible for VA financing in certain situations. Call 805.543.LOAN to learn more.*
The GSFA Platinum down payment assistance program was created to help low to moderate income homebuyers in the state of California purchase a home by providing down payment and/or closing cost assistance in the form of a non-repayable grant.
The Program Income Limit for FHA, VA, and USDA first mortgages
The VA-backed streamline refinance product, called the Interest Rate Reduction Refinancing Loan (IRRRL), allows vets to drop their VA mortgage rate WITHOUT a new appraisal, WITHOUT asset documentation, and WITHOUT income requirements.
Call 805.543.LOAN for more information
Creating an account is fast, easy, secure and FREE! Your account enables you to easily modify your loan application and view the status of your loan anytime day or night.
When you register for a Loan Center account, you can submit a loan application online and the sensitive information that you provide will be transmitted securely.
Kick your feet up while we crunch the numbers. Pre-approval can be done very quickly if you provide a complete and accurate loan application and supporting documentation.
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