California VA Loan Officer

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VA Loan Closing Costs in California: What to Expect

VA Loan Closing Costs in California: What to Expect va home buyer

Veterans are sometimes caught off guard when they learn about the closing costs associated with a home purchase. While it is true that VA does not require a down payment, closing costs are still a thing when buying a home no matter what type of loan the buyer is using. In a survey done by […]

What is the Debt to Income Ratio on a California VA Loan?

What is the Debt to Income Ratio on a California VA Loan? california va mortgage calculator

The Debt-to-Income ratio is an important factor used when qualifying for a VA loan in California.  But what is the Debt-To-Income ratio and how is it calculated? The Debt-To-Income ratio, or DTI, is one of the factors lenders use to determine whether a borrower can afford their total payments, including the new housing payment, when […]

How a California Veteran Can Qualify for a VA Loan

How a California Veteran Can Qualify for a VA Loan

The VA Home Loan Program is designed to help California veterans who served honorably, and their surviving spouses, buy homes as they start to lay down roots here in California. The VA loan program does not require a down payment or mortgage insurance and offers interest rates that are usually below market. Best of all, there […]

Example of a $450,000 Home Purchase using VA Financing in California

Example of a $450,000 Home Purchase using VA Financing in California Loan scenario for $450,000 VA loan

Buying a home in California can be a challenge. The biggest hurdle preventing most potential homebuyers is the down payment. While there are loan programs, like FHA, that allow for down payments as little as 3.5% down, it can still take time to save that much money. Someone buying a home for $450,000 in California […]

Do you qualify for a California VA loan right now?

Do you qualify for a California VA loan right now? do you qualify for a California VA loan

Do you qualify for a California VA loan right now? Do you know what it takes to qualify? California has one of the highest concentrations of Veterans throughout the country but many of them don’t even know that they are eligible for the VA loan program or don’t know what is needed to be qualified. It […]