What Is a VA Loan

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.

How Do VA Loans Work

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.

Pre-Approval Process

Once PreApproved, you’ll 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.

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.

Call me directly at 949.640.3102 or complete the contact form on the right.

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.

I look forward to helping you with your California VA financing.



Tim Storm

NMLS# 223456 Senior Loan Officer

“22 Years Closing FHA and VA Loans”
Emery Financial, a Division of WJ Bradley
A Direct FHA, VA and Conventional Lender

VA Loan Questionnaire

    • No Social Security Number Required
    • Simple and Quick Contact Form
    • Get Accurate Answers Today - From Tim Storm NMLS# 223456

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