Cal Vet Loan versus a VA Loan

Learn the differences between a Cal Vet Loan and a standard VA loan. Which is better for you?

Refinance Conventional to VA Loan to 100% LTV in CA

Combine a 1st and 2nd, or just refinance your current mortgage to 100% loan to value to your California counties VA loan limit.

VA Jumbo Loan

The VA Jumbo loan allows a refinance or purchase loan amount as high as $1,500,000 in 2014! Learn More.

Welcome to California VA Loan Expert

The VA loan program offers Veterans and Active Duty Military a great way to purchase or refinance a home. VA is just about the only program still allowing 100% financing. No other loan program compares to the VA program, which not only allows a Zero Down Payment, but also does not have Monthly Mortgage Insurance, or PMI, which is required on Conventional loans with less than 20% down and FHA loans no matter what the down payment is.

Let Me Guide You Through the California VA Loan Process

The VA loan process is easy, if you choose the right company and right Loan Officer. I focus on the VA loan program and have over 20 years experience closing VA loans. The first step is to get Prequalified. Prequalification only takes a quick 5 minute phone call so that I can prepare customized loan scenarios based on your goals, qualifications, and payment comfort level. Once you have a solid idea of the price range and type of property you wish to pursue (Condo or Single Family Home), the next step is to move forward with VA Loan PreApproval. Most sellers will not entertain an offer from a buyer unless they have been PreApproved by a Direct Lender. Emery Financial Group, a Division of W.J. Bradley Mortgage Capital LLC, is a VA Direct Lender with offices located in California.

PreApproval is free and quick. Once PreApproved you will be able to confidently make offers on homes, knowing your financing has been taken care of and that you’ll be able to easily close escrow in 30 days or less.

Call Tim directly at 949.640.3102. You may also email tstorm@OCHomeBuyerLoans.com, or complete the contact form on the right. I look forward to helping you with your California VA financing.

CaliforniaVALoanExpert.com will prove to be a great source of information for learning the California VA loan options currently available to purchase or refinance California properties. And please, if you have any questions or would like to see customized loan scenarios, please call, email, or complete the contact form on the right.