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  • Writer's pictureNichole Fox

VA Loans for California Vets

If you currently reside in California and you are either a Veteran or Active Duty, you may be eligible to purchase or refinance your home with a VA Loan. There are different loan limits depending on the county you live in. If you have served in the US Military and received an honorable discharge, you have VA Loan eligibility. The Veterans Administration guarantees VA Loans up to a certain percentage of the loan amount. VA Loans in California are also assumable from other Veterans or family members of Veterans. Give us a call to find out if you are eligible for a VA Loan in California. One of our representatives would be happy to discuss your VA Loan options in California.

California VA Streamline Loan

Even if your loan is "under water” or you have no equity in your home, it is still possible to refinance your VA Loan in California. VA Loan Leader works with lenders in California who do not require an appraisal or AVM (automated valuations) for your California VA IRRRL.

If you have VA disability benefits greater than 10%, you are exempt from the VA Funding Fee. If not, Veterans in California are subject to a VA Funding Fee of 0.5% of the loan amount. The VA Funding Fee is much cheaper when you refinance. The VA Funding Fee can be rolled into the loan amount and paid down over the full term of the loan.

New Home Purchase with a California VA Home Loan

Many Veterans do not take advantage of their VA Benefits when purchasing a home in California. The average down payment on a VA Loan in California is between 0% – 2.5%. This is the lowest down payment loan available on the market today. Even FHA Loans have an average down payment of between 3% - 4% of the appraised value of the home. This makes the VA Loan an extremely attractive loan for home buyers. Especially in California where home prices are so high and traditional loans that require down payments of 20% or more can end up requiring hundreds of thousands of dollars for the down payment alone.

VA Loan Leader supports the following Military Bases in California

Camp Pendleton Marine Base                           Oceanside, CA

Coronado Naval Base                                          Coronado, CA

Miramar Air Station                                              San Diego, CA

Beale Air Force Base                                             Marysville, CA

Edwards Air Force Base                                          Edwards, CA

McClellan Air Force Base                                  Sacramento, CA

Travis Air Force Base                                                Fairfield, CA

Vandenberg Air Force Base                                    Lompoc, CA

North Island Naval Complex                               San Diego, CA

Point Loma Naval Base                                        San Diego, CA

Fort Irwin Army Base                                                Barstow, CA

Fort Hunter Liggett Army Base                             Monterey, CA

Los Angeles Air Force Base                               El Segundo, CA

March Air Reserve Base                                          Riverside, CA

Presidio of Monterey Army Base                           Monterey, CA

Barstow Marine Corps Logistics Base                      Barstow, CA

San Diego Marine Corps Recruit Depot              San Diego, CA

Mountain Training Center                            Pickel Meadows, CA

Integrated Support Command Alameda                Alameda, CA

TRACEN Petaluma                                                   Petaluma, CA

El Centro Naval Air Facility                                     El Centro, CA

Naval Postgraduate School                                    Monterey, CA

Naval Air Weapons Station                                  China Lake, CA

San Diego Naval Station                                       San Diego, CA

Seal Beach Naval Weapons Station                    Seal Beach, CA

Naval Air Station Point Mugu                             Point Mugu, CA

Lemoore Naval Air Station                                      Lemoore, CA

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