California VA Home Loan to Buy Your Home
Home is where your next chapter begins. A California VA home loan helps veterans, active duty members, and military families buy with no down payment and no monthly mortgage insurance. We are here to guide you.
Guidance veterans rely on
Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.
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California VA Home Loan Benefits
A California VA home loan is one of the best mortgage options available anywhere. No down payment means you keep your savings. No PMI means a lower monthly payment. Competitive rates mean real savings over the life of your loan. This benefit exists because you earned it.
Our Rates For You
VA 30 Year Purchase
VA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Why California VA Home Loan Stands Apart
No Down Payment Required.
Most home loans require 3% to 20% down. Your California VA home loan requires nothing down for eligible buyers. Keep your savings for moving, furniture, or emergencies.
No Private Mortgage Insurance.
Conventional loans charge PMI when you put less than 20% down. A California VA home loan never charges PMI, saving you hundreds every month.
Competitive Interest Rates.
VA loan rates often beat conventional and FHA options. Your California VA home loan is backed by the government, allowing lenders to offer better terms.
Flexible Credit Guidelines.
VA loans consider your whole financial picture. If your credit is not perfect, a California VA home loan may still work where other loans cannot.
Confirm Your Eligibility
Most veterans, active duty service members, National Guard, Reservists, and some surviving spouses are eligible. We help you get your Certificate of Eligibility and confirm your California VA home loan benefit.
See What You Can Afford
We run the numbers and show you clearly. No down payment needed. No PMI to budget for. Your California VA home loan puts more buying power in your hands.
Find Your Home
Shop for homes knowing your financing is ready. Your California VA home loan lets you focus on finding the right place without worrying about the loan.
Close and Move In
We handle the details and guide you to closing. Keys in hand, you step into the home your service helped make possible.
The California VA Home Loan Experience
See your numbers
Before you see a listing, see the math. Your estimate includes principal, interest, property taxes, homeowner’s insurance, and any HOA dues. If the seller can cover part of your costs under VA rules, you will see that too. Pick a monthly number you can live with, then search inside that line.
What Veterans says
California VA Home Loan FAQ
Still unsure? Talk to someone who hears you, not a script.
A California VA home loan is a mortgage backed by the U.S. Department of Veterans Affairs for eligible veterans, active duty service members, and surviving spouses. It offers no down payment, no PMI, and competitive rates.
Eligible borrowers include veterans, active duty service members, National Guard and Reserve members with qualifying service, and some surviving spouses. We help you confirm eligibility and obtain your Certificate of Eligibility.
No. A California VA home loan offers 100% financing for eligible buyers. You can purchase a home with no money down.
No. Unlike conventional loans, a California VA home loan never requires private mortgage insurance, saving you money every month.
VA loans have flexible credit guidelines. While many lenders prefer 620 or higher, a California VA home loan may work with lower scores depending on your overall financial picture.
California VA home loan rates are often lower than conventional and FHA rates due to government backing. Your specific rate depends on market conditions and your financial profile.
For most borrowers with full entitlement, there is no loan limit on a California VA home loan. You can borrow based on what you can afford and what lenders approve.
Still have a question?
No problem. Let’s just talk.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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