VA Loans
Over 30 Years VA Loan Experience Welcoming Veterans and their Families!
Home of the No Down Payment and No Closing Cost Loan!
To talk with a Qualified  VA Loan Officer 
Call (916) 672-6130
Or Click here to qualify for a VA Loan
or complete the form at the bottom of the page.
We have VA Programs that other lenders don't offer, with Credit scores down to 550.  If your lender tells you that you need a 620 or better give us a call we can help. 

 "Thank you, to all who have served, we thank you for preserving our freedom!  Our Employees Stand for the National Anthem!"



VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase or Refinance of a home.  In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

We try very hard to get  Veterans into homes, as we believe that if you have served our Country, and you are a hard worker, you should be able to achieve the American dream of home ownership. Underwriting for Veterans is more understanding of past credit issues and other factors that may affect a non-veteran for getting a loan.  We want to see all Veterans have the opportunity to own their own home and we fight for our Veteran clients to be able to achieve home ownership as they have fought for our freedoms.


Benefits of a VA loan include:

  • No Down Payment required up to a $417,000 home.
  • Credit Scores down to 550 
  • Negotiable interest rate.
  • No Mortgage Monthly Insurance payments
  • Closing costs can be paid by others to achieve a zero out-of-pocket home.
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • Can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
  • Flexible Underwriting


There is no Mortgage Insurance required on VA so the monthly payments are cheaper than most other loans.  


A VA loan can be used to buy a home, refinance, and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.  Ask about the energy efficient VA loan.


Veterans can apply for a VA loan by simply completing the form below. You will need your DD214 (separation papers) or an "In Service Statement" from your Commanding Officer (if still i the military) and we will do the rest.  If you have lost or misplaced your DD214 we can get a new one from the VA online for you. 

You can use our Loan Application checklist to make sure you have all your documents in order to be approved for your home loan.

You can apply directly online by clicking here.

Don't Tread on America or those that defend it.


Complete the form below to start the qualification process:
Or Call 916-672-6130


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