VA Loans for California Veterans

Zero down payment. No private mortgage insurance. Competitive rates. If you served, you earned this benefit.

$0 down payment — buy with no money down
No PMI — save hundreds per month vs conventional loans
No income limits or purchase price caps for eligible veterans
No credit impact Free, no obligationNMLS #2787839CA DRE #01212512

Better Offers AI

Powered by Better Offers AI · Page context attached

Context ready

AI is Here to Help

Tell us what you want to buy and we’ll run the VA numbers with you.

Estimate my $0-down paymentCheck VA eligibility basicsCompare VA rates and costsCan I reuse my VA benefit?

No credit impact · Prefer the classic form?

VA Loan Eligibility Requirements

Honorable or general discharge (active duty 90+ days wartime, 181+ days peacetime)
Minimum credit score of 580-620 (varies by lender)
Primary residence only — not for investment properties
VA funding fee applies (waived for veterans with service-connected disability)
Certificate of Eligibility (COE) required — we can pull it for you
Surviving spouses of veterans killed in action may also qualify

Not sure if you qualify? Call 888-421-1117 — we'll review your service history and pull your COE at no charge.

Understanding VA Entitlement

Your VA entitlement is the amount the VA guarantees to the lender if you default. Veterans with full entitlement — meaning they've never used their VA benefit, or they've paid off a prior VA loan — have no loan limit in California. The lender sets the maximum based on your income and credit.

If you have remaining (partial) entitlement from a prior VA loan still outstanding, county loan limits apply. Most California counties set the 2026 baseline at $806,500, with higher-cost areas like Los Angeles and San Francisco exceeding that.

Full Entitlement

No loan limit — borrow what you qualify for

Bonus Entitlement

Allows loans above the base limit in high-cost counties

Reusable Benefit

Sell your home, pay off the loan — entitlement restores

Frequently Asked Questions

You earned this benefit. Let's use it.

$0 down, no PMI, competitive rates — VA loans are the best mortgage product available. Check your eligibility with no credit impact.

Check Your VA Loan EligibilityVA Loan Calculator