VA Loans for California Veterans
Zero down payment. No private mortgage insurance. Competitive rates. If you served, you earned this benefit.
Check Your VA Loan Eligibility
No credit impact. Free, no obligation.
What type of loan do you need?
Start with the closest match. You can adjust details later.
VA Loan Eligibility Requirements
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. Get your eligibility checked in minutes.