VA Loans in California: VA Home Lenders in California Helping Veterans Get Their Dream Houses

Apply for a Home Loan in California Today!

At Security America Mortgage, we’re proud to serve those who have served our country. We help veterans and their families to access affordable home loans in California, through the VA, to make their dream houses a reality.

Are you ready to start your home loan process? Then simply fill out the quick one-minute form below to get started! We’ll provide a no-obligation consultation to help you estimate how much you may be able to borrow. 

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white house behind a big garden- VA Loans in California

Why Should I Get a VA-Backed Loan in California?

With world-class cities like San Francisco and Los Angeles, incredible weather throughout the year, and healthy living, there is more than one reason why you might want to use your Veterans Loan benefit to purchase your dream home in the Golden State.

In addition, loan limits in California vary from county to county, depending on the housing market. For example, Sacramento's median listing home sale price is $520,000 in 2022. Generally, VA loan limits see a massive top-up in 2022, with the standard VA loan limit increasing to$647,200 compared to $548,250 in 2021. The VA loan limits also improved for high-cost counties peaking at $970,800 for a single-family home. Interestingly, VA loan limits are ineffective for qualified veterans with full entitlement. However, the limits still apply to veterans without full entitlement.

Also, VA-Backed Loans require a 0% down payment in most cases, whereas conventional loans generally require at least a 3% down payment and sometimes up to 20% required; FHA loans require a minimum of 3.5% down payment. And, with a VA Home Loan, veterans do not have to pay any monthly mortgage insurance, which cannot be said about conventional or FHA mortgages.

What is a Jumbo Loan in California?

Many Veterans have already taken advantage of their VA loan benefits. With relaxed qualification standards and more flexibility, it is proven to be the right choice for many to purchase and refinance their homes through this program. However, in some California counties, the conforming loan limit with no money down is $548,250.
When your home costs more than this, the solution is a VA Jumbo Loan. A VA Jumbo Loan is any VA-Backed Loan bigger than $548,250. And qualifying Veterans can apply to purchase or refinance their home for up to a value of $1,000,000 through this type of loan, plus receiving all the benefits of the general California VA Loan.

These are the Key Benefits that Security America can Offer you to get a VA Loans in California

  • VA, FHA, and All Home Loan Types.
  • $0 Down Payment for VA Home Loans.
  • No Need for Private Mortgage Insurance.
  • Competitive interests rates.
  • Lower Payments.
  • Easier to Qualify.
  • Relaxed Credit Standards.

VA Loan Overview

California VA Home Loans are loans made available to military veterans, reservists, and active-duty members to purchase a primary residence. The Veterans Administration does not lend money for the mortgage; instead, it guarantees the top 25 percent of the loans made by private lenders, such as Security America Mortgage, to those compliant with the VA Loan Eligibility criteria.

Qualified veterans can use their loan benefits to purchase a home with zero money down, no private mortgage insurance, and have the sellers pay all their closing costs. These benefits and highly competitive interest rates make VA Loans in California, the preferred loan choice for many veterans.

VA Mortgage Rates and Costs

VA Loans in California have the same costs associated with closing as all other home loan products, but there are two key differences in closing costs with a VA-Backed Loan. First, if negotiated into the purchase contract, the seller can pay all closing costs and prepaid items, totaling up to four percent of the purchase price. Second, the Department of Veterans Affairs charges a VA Funding Fee on every loan it guarantees.

The VA Funding Fee is paid directly to the VA and helps to pay for the Home Loan Program for all current and future homebuyers. This Fee ranges from 1.25 percent to 3.3 percent but is waived for veterans with service-connected disabilities. Also, the VA Funding Fee can be paid in full or rolled into the loan at closing.

Typically, the interest rates for VA Loans in California are lower when compared to conventional and FHA loans. Still, you can check out our VA Loan calculator to help you determine your payments!

Va loan limits 2023​ - VA Loans in California

Have a look at our most recent blog posts about VA Loans

Our team at Security America Mortgage makes every effort to ensure the home buying process as transparent and stress free as possible.

Our team at Security America Mortgage makes every effort to ensure the home buying process as transparent and stress free as possible.

Are you ready to take advantage of your VA loan benefits? If so, it’s simple to start the process and takes only a few minutes. No social security number needed to start!

Active service members with at least 90 continuous days of service and Veterans who’ve been honorably discharged from the armed forces can apply for a VA loan. Get started today!

VA Mortgage Loans Benefits

No Mortgage Insurance

Since the VA guarantees the lender the top 25 percent of the loan, no mortgage insurance is required to enjoy the loan program. Most conventional loans require a borrower to put down at least 20 percent of the purchase price or pay mortgage insurance. Mortgage insurance can be costly compared to va loans and does not ever go towards reducing your principal balance.

Competitive interests rates

Because the Department of Veteran Affairs guarantees each loan, the interest rate is typically 0.25 to 1 percent lower than conventional loans.

No Down Payment

Saving enough money for a down payment can be especially difficult for active duty service members moving from base to base. Since there is no down payment required for a VA Home Loan, many veterans can purchase a home with little to no money out of pocket.

va home loan los angeles - VA Loans in California

Why Veterans Should Choose California As Their Destination

There are several beautiful places in the US, and California is unarguably one of the best of them. Besides the ease of getting a home loan, the natural beauty and other amenities makes it a great settlement for veterans affairs. You will also get to enjoy the proximity to military bases, diverse terrains, deserts, and valleys.

California va loans will also help you settle with ease. The home loan comes with minimal interest rate for veterans and others that meets the eligibility criteria.

Major California VA Loan Limits!

The California va loan limits vary slightly with location. Below are the major california va loans limit you should know if you intend to apply for a va loan.

  • Los Angeles County (31080): $970,800
  • San Diego County (41740): $879,750
  • Orange County (31080): $970,800
  • Riverside County (40140): $647,200
  • San Bernardino County (40140): $647,200

Service members, Eligible Veterans, and survivors with full entitlement no longer have limits on any loan over $144,000. Therefore you won’t have to pay a down payment, and the VA guarantees Security America Mortgage that if you default on a loan over $144,000, they’ll pay up to 25% of the loan amount.

Eligibility of Va Loans in Carlifornia

It is best to understand if you are eligible for a va loans in Carlifornia because it is one of the most critical parts. You have a good shot at obtaining a va home loan if you belong to one of the groups.

Members of the above groups must also meet other requirements including a credit sore of 620 and DTI greater than 41%. Once you meet the requirements, the next step is to process the certificate of eligibility (COE) which is a proof of service. The certificate of eligibility varies depending on the type of service and it is submitted to a va lender to receive the va loan. The department of veterans affairs also help with necessary processing to apply for a va loan and remaining entitlement.

Contact Your California VA Loan Specialist

I have been in the mortgage/financing industry for many years, and through all of these years, many things have become obvious to my associates and me. With my background in financing, ability to provide clear instruction, and ability to execute game plans, I can support our Military every day.

Contact me, and I will get you started on getting your va home loan!

Jason Noble

FAQs of VA Loans In California

Everyone who meets the following could be eligible for a VA-Backed Loan:

  • You have served 90 consecutive days of active service during wartime, and you have served 181 days of active service during peacetime.
  • You have six years of service in the National Guard of Reserves.
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Not necessarily – Colorado VA Loans are a specific niche in the market, and not every mortgage company provides them. Even if a general mortgage company does provide them, you may be better off choosing a specialist like Security America Mortgage – we have the specific expertise and experience as VA lenders in Colorado to guide you through the process and make the most of your loan entitlement.

If you’ve already used a VA Loan, paid it off in full, and wish to buy a second property without selling the original one, you can have your previously used entitlement restored – but only once. Although, if you’ve paid off your previous Loan in full and sold the property you used it to buy, you’re free to restore your entitlement as many times as you want.

Whether you’re a veteran or active military member looking to build a custom home, a VA Construction Loan could be the perfect solution! Because of your military background, you have access to VA Home Construction Loans that offer nothing down and additional perks and benefits.

Usually, it’s more difficult to get a construction loan than an existing home loan, as lenders are more cautious about funding a home that doesn’t exist yet.

However, here at Security America Mortgage,, we are VA Construction Loan lenders and experts. We will be more than happy to help you get your own custom dream home whether you want to build it in San Diego, Santa Barbara, or any other county in California.

Loan credit requirements for VA Home Loans are set by the lender, meaning they can differ from mortgage company to mortgage company. Most lenders require a minimum credit score of 640; nonetheless, some lenders accept credit scores as low as 600.
VA Home Loans do not have private mortgage insurance requirements. Additionally, VA Loans usually have lower rates than conventional loans.


California VA Loan Limits

VA Purchase Loans in California cover more property types than just homes and condominiums, qualified veterans can use their VA Home Loan to purchase a property that has up to four one-family units.

Here are the maximum VA Loan amounts in California’s counties:

County Name State One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
ALAMEDA COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
ALPINE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
AMADOR COUNTY CA $548,250 $702,000 $848,500 $1,054,500
BUTTE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
CALAVERAS COUNTY CA $548,250 $702,000 $848,500 $1,054,500
COLUSA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
CONTRA COSTA COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
DEL NORTE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
EL DORADO COUNTY CA $598,000 $765,550 $925,350 $1,150,000
FRESNO COUNTY CA $548,250 $702,000 $848,500 $1,054,500
GLENN COUNTY CA $548,250 $702,000 $848,500 $1,054,500
HUMBOLDT COUNTY CA $548,250 $702,000 $848,500 $1,054,500
IMPERIAL COUNTY CA $548,250 $702,000 $848,500 $1,054,500
INYO COUNTY CA $548,250 $702,000 $848,500 $1,054,500
KERN COUNTY CA $548,250 $702,000 $848,500 $1,054,500
KINGS COUNTY CA $548,250 $702,000 $848,500 $1,054,500
LAKE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
LASSEN COUNTY CA $ 548,250 $702,000 $848,500 $1,054,500
LOS ANGELES COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
MADERA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MARIN COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
MARIPOSA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MENDOCINO COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MERCED COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MODOC COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MONO COUNTY CA $548,250 $702,000 $848,500 $1,054,500
MONTEREY COUNTY CA $739,450 $946,650 $1,144,250 $1,422,050
NAPA COUNTY CA $816,500 $1,045,250 $1,263,500 $1,570,200
NEVADA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
ORANGE COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
PLACER COUNTY CA $598,000 $765,550 $925,350 $1,150,000
PLUMAS COUNTY CA $548,250 $702,000 $848,500 $1,054,500
RIVERSIDE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SACRAMENTO COUNTY CA $598,000 $765,550 $925,350 $1,150,000
SAN BENITO COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
SAN BERNARDINO COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SAN DIEGO COUNTY CA $753,250 $964,300 $1,165,600 $1,448,600
SAN FRANCISCO COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
SAN JOAQUIN COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SAN LUIS OBISPO COUNTY CA $701,500 $898,050 $1,085,550 $1,349,050
SAN MATEO COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
SANTA BARBARA COUNTY CA $660,100 $845,050 $1,021,450 $1,269,450
SANTA CLARA COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
SANTA CRUZ COUNTY CA $822,375 $1,053,000 $1,272,750 $1,581,750
SHASTA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SIERRA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SISKIYOU COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SOLANO COUNTY CA $550,850 $705,200 $852,400 $1,059,350
SONOMA COUNTY CA $707,250 $905,400 $1,094,450 $1,360,100
STANISLAUS COUNTY CA $548,250 $702,000 $848,500 $1,054,500
SUTTER COUNTY CA $548,250 $702,000 $848,500 $1,054,500
TEHAMA COUNTY CA $548,250 $702,000 $848,500 $1,054,500
TRINITY COUNTY CA $548,250 $702,000 $848,500 $1,054,500
TULARE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
TUOLUMNE COUNTY CA $548,250 $702,000 $848,500 $1,054,500
VENTURA COUNTY CA $739,450 $946,650 $1,144,250 $1,422,050
YOLO COUNTY CA $598,000 $765,550 $925,350 $1,150,000
YUBA COUNTY CA $548,250 $702,000 $848,500 $1,054,500

VA loan limits 2023 California

VA Loan Limits California 2023

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