VA

VA home loans are an earned benefit for eligible Veterans, active-duty service members, and surviving spouses, and they’re a big part of life in the Temecula Valley with Camp Pendleton and March Air Reserve Base nearby. Eligible borrowers can buy with $0 down and no monthly mortgage insurance. A one-time VA funding fee applies, though it’s waived for many Veterans receiving disability compensation. In this section I break down VA eligibility, the three pillars of qualifying (credit, income, and assets), VA appraisals, and when a VA refinance makes sense. Start with my VA Home Loans page and we’ll walk through your entitlement together.