Conventional Loans
The most common financing for buyers with established credit.
- Fixed and adjustable options
- Purchase and refinance
VA loans
VA home loans for eligible veterans, service members and surviving spouses
A benefit earned through service. For those who qualify, a VA loan is frequently the strongest financing available, largely because there is no monthly mortgage insurance.
- Angel Hernandez, NMLS #1099542
- Licensed in: CA
- Equal Housing Opportunity
- (619) 567-1553
- Conventional Loans
- FHA Loans
- VA Loans
- Jumbo Loans
- Self-employed friendly
- First-time buyers
- Refinance and cash-out
- Free payment calculator
- Adjustable-Rate Mortgages
- 30-Year Fixed
- 15-Year Fixed
Often considered by
- Veterans
- Active duty
- Eligible surviving spouses
Worth weighing
- A funding fee may apply, with exemptions in some cases
- The property must meet VA appraisal requirements
Who is eligible
Eligibility generally extends to veterans, active-duty service members, and many members of the National Guard and Reserve, based on length and character of service. Surviving spouses of service members may also be eligible, including in circumstances beyond service-connected death.
Rather than guess, eligibility is confirmed through a Certificate of Eligibility. We can help you request one. It is usually straightforward.
What makes it different
No monthly mortgage insurance
Not reduced, absent. Over a full loan term this is usually the single largest saving.
No down payment in many cases
Full financing is often available, subject to entitlement and the lender.
Competitive rates
The VA guaranty reduces lender risk, which tends to show up in pricing.
Reusable
Entitlement can be restored, and in some cases used more than once at a time.
The funding fee
A one-time fee that keeps the programme running without costing taxpayers. It can usually be financed into the loan rather than paid at closing.
What changes it
- Whether you make a down payment, and how much
- Whether you have used your VA entitlement before
- The type of loan, purchase or refinance
Some borrowers are exempt entirely, including many receiving VA disability compensation. If that may apply to you, it is worth raising early, because it changes the numbers materially.
Certificate of Eligibility
The document confirming your entitlement. Most can be obtained quickly, and we handle the request as part of getting you pre-approved.
VA appraisal
Includes minimum property requirements alongside the valuation, so condition matters. Worth factoring in when deciding which homes to pursue.
VA home loan benefits (VA.gov)
The Mortgage Finders is a private mortgage broker. We are not affiliated with, nor acting on behalf of, the U.S. Department of Veterans Affairs or any government agency.
Step 1 of 4
Check your VA loan options
Rates depend on more than the market. A few details let us quote your actual scenario.
Common questions
Worth comparing
FHA Loans
Government-insured financing often used for a smaller down payment.
- Lower down payment options
- More flexible credit review
Jumbo Loans
Financing above conforming loan limits.
- Fixed and adjustable options
- Primary and second homes
Official resources: va.gov
Not sure this is the right fit?
Program availability and qualification depend on your details and the property. The fastest way to find out is to ask.