Top VA Loans CA | Valor Lending Group
Are interested in a VA loan?
California is one of the most expensive places to live in the United States, therefore becoming a homeowner is a dream come true. VA loan programs allow those who are currently fighting and for those who have fought for our country access to a home loan.
VA Loans programs are available for active duty members, retired veterans, national guard and those who are in the reserves. For most qualifying service members there is a minimum active duty requirement which may range depending on your role, but for most it is just 90 days.
There are pros and cons to California VA loans. The pros are fixed and adjustable-rate mortgages, FHA loans, Jumbo loans, refinance loans, and cash-out loans. Also, 100% financing, no private mortgage insurance, no pre-payment penalty, online pre-qualification, education resources and free credit counseling. The cons are high fees (VA funding fee | This can be waved to those that qualify), home equity loans and HELOCs are not available.
The maximum VA loan limits with zero down payment very by county.
In San Diego County a single-family residence is $753,250, two-family residence is $946,300, three-family residence is $1,165,600 and four-family residences are $1,448,600. In Los Angeles and Orange County single-family residences are $822,375, two-family residences are $1,053,000, a three-family residences are $1,272,750, and four-family residences are $1,581,750.
Valor Lending Group is a proud supporter of all service members and their families. We work to give you the absolute best experience through the purchase or refinance of your new home. Valor Lending Group strives on their excellent communication and we wont stop until you have the best deal that fits your needs. We are available and ready to start a scenario for you today.
Top VA Loans CA | VA Loan Highlights:
- 100% financing
- Sellers can pay closing costs, up to 2 discount points
- Buyers can add up to $6,000 to their VA loan to have energy efficient improvements installed
- No monthly mortgage insurance
- Less restrictive qualifying terms
- Buyers still eligible even after a short sale
- Jumbo loans available up to $1.5 million
- Buyers can have multiple VA loans under certain circumstances.
- *Valor will reimburse your appraisal fee for loans above $300,000.
Valor Lending Group is committed to serving our Veterans and their families.
**We give 5% of proceeds to a local Veteran charity on every VALOR VA Loan
Call or email me for immediate attention to your scenario!
Valor Lending Group also offers literally every loan in the book!
Please do not hesitate to call on me for any scenarios.
I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products:
- Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self employed ) No tax returns!
- 100% financing is available (we can cross collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We also offer:
- Conventional Conforming Loans (under $510,400)
- High Balance Conforming (from $510,400-$765,600)
- Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
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