California VA Home Loans
Your Trusted VA California Mortgage Lender
Proudly Serving our Verterans...
No Credit Impact Mortgage Review
California VA Mortgage Lender
Welcome to Capital Home Mortgage California: Your Trusted Partner for California VA Home Loans! We’re honored to serve California’s veterans and active-duty military personnel, providing competitive California VA mortgage rates, low fees, and exceptional customer service. As a dedicated California VA mortgage lender, we’re committed to helping you achieve your dream of homeownership.
A Heartfelt Thank You for Your Service
We want to start by expressing our deepest gratitude for your service to our country. Your sacrifices and dedication have earned you the privilege of using your VA home loan benefit, and we’re proud to be a part of your journey.
Expert Guidance Every Step of the Way
Whether you’re a first-time homebuyer or have used your VA entitlement before, our experienced VA loan officers will guide you through the entire process. From pre-approval to closing, we’ll be with you every step of the way, ensuring a stress-free and seamless experience.
The Capital Home Mortgage California Advantage
As a direct VA endorser, we have complete control over the entire lending process. Our in-house processing and underwriting enable us to provide:
- Quick, common-sense approvals;
- Timely closings;
- Competitive California VA mortgage rates;
- Low fees.
Get Started Today!
Ready to take advantage of your VA home loan benefit? Call us today at (323) 767-8899 to speak with one of our experienced California VA loan officers. We’re here to help you achieve your dream of homeownership.
California VA Mortgage Rates
California Military Presence
California: A Strategic Hub for Military Service Members! California’s rich military heritage and strategic importance make it one of America’s most significant states for service members and veterans. From the Pacific coastline to inland training facilities, California offers unique advantages for military personnel, including:
World-Class Military Installations
- Naval Base San Diego stands as the West Coast’s premier naval facility, serving as the home port for multiple aircraft carriers and supporting thousands of active duty personnel;
- Marine Corps Base Camp Pendleton spans over 125,000 acres of diverse terrain, providing essential training grounds for Marines.
- Travis Air Force Base operates as a critical mobility hub, supporting global military operations;
- Edwards Air Force Base and Vandenberg Space Force Base lead aerospace innovation and space operations;
- Naval Air Weapons Station China Lake drives cutting-edge weapons research and development.
Strategic Advantage
California’s Pacific Coast location serves as America’s gateway to the Indo-Pacific region, positioning service members at the forefront of national defense. The state’s varied geography – from coastal regions to mountains and deserts – creates ideal conditions for diverse military training operations.
Innovation and Support
Home to leading defense contractors and technology firms, California combines military service with innovation. Service members benefit from:
- Advanced training facilities
- Cutting-edge technology development
- Strong support networks
- Robust veteran services
- Excellent career opportunities both during and after service
Ready to Serve
California’s military installations don’t just support national defense – they’re also vital for humanitarian missions, disaster response, and community support. From wildfire response to international aid missions, California-based service members make a difference locally and globally.
This unique combination of strategic location, world-class facilities, and innovation makes California an exceptional duty station for service members and their families.
A California VA Home Loan is a powerful mortgage solution backed by the U.S. Department of Veterans Affairs (VA) and tailored to support those who have served our country. Designed specifically for eligible veterans, active-duty service members, and certain surviving spouses, this loan program offers unique benefits that make achieving homeownership in California more accessible and affordable.
- No Down Payment: Qualified borrowers can often purchase a home without putting any money down, lowering upfront costs and making homeownership more attainable.
- No Private Mortgage Insurance (PMI): Since the VA insures a portion of the loan, borrowers typically don’t need to pay for PMI, potentially saving hundreds of dollars per month.
- Flexible Credit Requirements: VA loans usually come with more lenient credit standards, making them especially helpful for individuals who might not qualify for conventional mortgages.
- Capped Closing Costs: The VA sets limits on fees and closing costs, allowing borrowers to keep more money in their pocket.
- Refinancing Options: Whether you’re looking to reduce your monthly payment or access equity in your home, VA refinancing products such as the Interest Rate Reduction Refinance Loan (IRRRL) and the VA Cash-Out Refinance provide strategic ways to manage your finances.
Eligible Property Types
A California VA Home Loan can be used to purchase or refinance various property types, such as single-family homes, townhomes, and VA-approved condominiums. It can also be used to build or improve a home, offering flexibility for service members with unique housing needs.
Why Choose a California VA Loan?
California’s real estate market can be competitive, and VA loans help remove barriers to homeownership. With more favorable terms and streamlined qualification processes, borrowers can often secure better interest rates and save on upfront costs—helping you move into your new home with greater peace of mind and financial confidence.
If you believe you may be eligible, exploring a California VA Home Loan could be the perfect first step toward making your homeownership dream a reality.
California VA Eligibility
The California VA Home Loan offers flexibility with various loan options. These include a California VA Purchase Loan for acquiring a new property, a California VA “IRRRL” Streamline Refinance Loan for refinancing an existing VA loan with potentially lower interest rates, and a California VA Refinance Cash-Out Conversion for refinancing an existing non-VA loan into a VA loan, potentially allowing you to access the equity in your home. To be eligible for any of these VA loan options, you must meet specific criteria.
- Active Duty – 90 days Wartime / 180 Days Peacetime
- Honorable Discharged – 22 Months of Completed Service
- National Guard / Reserves – 6 Years Completed Service
- Spouse of a Service Member who Died in the line of Duty or Service related Disability
Capital Home Mortgage California is proud to serve California Veterans in obtaining home ownership in California. The benefits of a California VA Home Loan Purchase are many. Contact one of our California VA Loan Officer to discuss all the benefits and options. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership.
- Simply Qualifying for Veterans
- No Down Payment Required
- Lower Credit Scores Accepted
- Manual Underwriting Allowed
- No Monthly Mortgage Insurance
- Seller concessions to 4%
- higher debt to income Allowed
- Manufactured homes permitted
Capital Home Mortgage California is proud to serve California Veterans in reducing the mortgage payment through a streamline refinance AKA “IRRRL” VA home loan.
Contact our California VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- VA IRRRL Rate & Term
- Streamline Option
- No Appraisal Required
- No Income Verification
Capital Home Mortgage California is proud to serve California Veterans in converting their current mortgage program over to a California VA Home Mortgage and enjoy the many benefits of a California VA home loan. Contact our California VA Loan Officers to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Cash-Out or Loan Conversion
- Full Documentation
- Appraisal Required
- Income Verification Required
Apply for a California VA Home Loan!
VA Home Loans offer a unique advantage for Veterans, allowing for property acquisitions without the need for a down payment or private mortgage insurance (PMI). If you’re considering a property purchase in California, we encourage you to consult with the experienced professionals at Capital Home Mortgage California to determine if a VA Home Loan is the most suitable financing option for your specific needs.
Call us today at (323) 767-8899 to schedule a free consultation with one of our knowledgeable California VA Loan Officers.
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control
Application to Funding
Competitive Rates & Fees
Direct Lender
Full Line of Programs
Exceptional Service
Customer Support
Application to Final Payment
California Mortgage Company Reviews
California Mortgage Team
California Mortgage Programs
California Purchase loans
Looking to Purchase a California Home?
Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
- Primary, 2nd Home, Investment
- Competitive Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
California Renovation Home Loans
Looking to Rehab a California Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
California FHA Home loans
Great 1st Time California Homebuyers
FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket. Call today to get started.
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
California va Home Loans
100% Financing for California Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
California Conventional Home loans
Flexibility for California Homebuyers
Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
California Jumbo Home Loans
California Non-Confirming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
California USDA Home loans
100% California Rural Home Loans
USDA Loans are a great option for families wanting to live outside of the city. Call today to speak with a loan officer to discuss your personal loan options.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
California Native american Loans
California Hud 184 Home Loans
HUD 184 Home Loans are solely for Native American and offer a variety of benefits. Call today to speak with a loan officer to find out more.
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
California Manufactured Home loans
Great California Alternative Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
California Reverse Mortgage Loans
Your California Home at Work
Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
California Non QM Home loans
Making Carolina Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
California One Time Close Home Loans
Build Your California Dream Home
Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan. Call today to see how a OTC loan works.
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
California Refinance Mortgage loans
California Rate & Term Refinance
Refinancing can be a hard decision and may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
California Cashout Mortgage Loans
California Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
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