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At Pacific Mortgage Group, we proudly serve veterans, active-duty military personnel, and their families across California, Florida, Oregon, Nevada, Colorado and Washington. Our mission is to help you navigate the journey to homeownership with ease, thanks to the benefits of VA loans.
VA loans are a powerful tool designed for veterans, active-duty military personnel, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer significant advantages over traditional mortgage options, including no down payment, lower interest rates and no requirement for private mortgage insurance (PMI).
VA home loans support purchases or improvements on many types of primary residences. The loan covers single-family homes and townhomes. Depending on the details, it may also cover condominiums, multi-unit properties, manufactured homes or new construction. In addition to purchasing a home, service members can use these loans for home improvements or refinancing an existing mortgage.
While VA loans are a flexible funding source, they have some limits. You can’t use them to finance investment properties, vacation homes, nonresidential land, business properties or luxury additions to a current home.
The VA loan program offers several key benefits:
Active service members, veterans and their families may be able to use the VA home loan multiple times. For example, you may purchase a home during your active service, then sell that home and move somewhere else afterward. VA loans could cover both home purchases.
At Pacific Mortgage Group, we’re committed to serving those who’ve served our country. We understand the unique needs of military families and are dedicated to making the homebuying process as smooth and stress-free as possible.
Whether you’re buying your first home or refinancing an existing mortgage, our experienced team of loan officers will guide you every step of the way. We’re proud to serve clients in California, Florida, Oregon, Nevada, Colorado and Washington, offering personalized service tailored to each client’s unique needs.
Ready to take the first step toward homeownership? Contact Pacific Mortgage Group today to learn more about our VA loan options. Our team is ready to answer any questions you may have and guide you through the application process.
Remember, owning a home is more than just a financial decision. It’s about creating a space for you and your loved ones to grow and create memories. Let us help make your dream of homeownership a reality.
VA loans are available to veterans, active-duty service members, members of the National Guard, and eligible surviving spouses.
To qualify, you must meet specific service requirements, such as serving 90 consecutive days during wartime, 181 days during peacetime, or six years in the National Guard or Reserves. For veterans, these service requirements may vary depending on when you served. For example, if you served during the Vietnam War, you qualify if you served for at least 90 days total.
Surviving spouses qualify in the following scenarios:
Other factors, like obtaining a Certificate of Eligibility (COE) and meeting lender-specific credit and income criteria, are also required. The COE is a formal document from the VA that confirms you meet the qualification guidelines.
To apply for a VA loan, you need to provide your Certificate of Eligibility (COE). To make the process fast and easy, we can do this for you. Depending on your status, you will need to submit paperwork to us. For example, veterans must submit discharge or separation papers, and active-duty service members need a statement of service signed by their commander.
After you have a COE, the loan process is similar to many other loan types. You can begin by getting preapproved by your VA-approved lender. Qualification depends on credit, assets and job history.
Following preapproval, you will begin the formal application process. During this stage, you will need to submit financial documentation. This step also involves an inspection to ensure the home meets the minimum property requirements set by the VA.
Have questions or ready to apply for a zero-down VA loan? Please contact us today at (951) 934-7706 to schedule your mortgage consultation.
Learn more about the VA Home Loan Program
Our team of experienced mortgage professionals is dedicated to understanding our clients’ needs and goals, and we provide personalized advice and guidance to make informed decisions.
We have a wide range of mortgage solutions to suit the unique needs of each client, including fixed and variable rate mortgages, home equity loans, refinancing options, and more. Our goal is to help our clients achieve their homeownership goals while keeping their best interests at the forefront.
Additional questions? Call us at (951) 717-4214 or contact us on Yelp.
Call (951) 531-1399 to learn more about our services and schedule a visit.
You can also fill out our contact form, and we’ll be happy to get back to you as soon as possible.
At Pacific Mortgage Group,
we understand that purchasing
a home or investment property
can be one of the most significant financial decisions in one’s life.
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Pacific Mortgage Group is a dba of California Premier Services, Inc
