Loan Programs

VA Mortgage Loans

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VA Calculator

VA Home Loans for Eligible Military Borrowers

A VA mortgage is a government-backed home loan program available to eligible veterans, active-duty service members, certain members of the National Guard and Reserve, and other qualified borrowers.

VA financing may offer valuable benefits for eligible buyers and homeowners, including flexible underwriting features and financing options designed specifically for the military community.

Depending on the borrower and transaction, VA loans may be used for:

  • Eligible home purchases
  • Certain refinance transactions
  • Primary residences
  • Other approved VA loan purposes

Matt Roth helps eligible borrowers throughout California, including San Diego County, La Mesa, Los Angeles, Orange County, and the Coachella Valley, understand available VA mortgage options and how the program may fit their goals.

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Mortgage Military VA Loan

How VA Mortgage Qualification Works

VA eligibility is an important part of the process, but it is only one part of mortgage approval.

Depending on the loan program and transaction, the lender may also review:

  • Income and employment
  • Credit history
  • Existing debts and obligations
  • Assets and available funds
  • Property eligibility
  • Occupancy requirements
  • Appraisal requirements
  • Other applicable underwriting guidelines

VA loans may offer features such as no required down payment in eligible situations and no monthly private mortgage insurance requirement, subject to applicable program rules.

A VA funding fee may also apply unless the borrower qualifies for an exemption.

Because each file is different, Matt can help explain the current requirements and what documentation may be needed based on your situation.

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VA Financing With California Real Estate Experience

For eligible borrowers, a VA loan can be a powerful financing option, but the mortgage still needs to work within the larger real estate transaction.

Matt can help borrowers consider issues such as:

  • Purchase offer strategy
  • Property eligibility
  • Appraisal timing
  • Contract deadlines
  • Loan documentation
  • Closing coordination
  • Refinance options when appropriate

As a California Mortgage Loan Broker, California Real Estate Broker, and Rocket Pro Partner, Matt Roth brings mortgage expertise together with nearly three decades of California real estate experience.

He has been a California Real Estate Broker since 1993, giving him additional perspective on how financing, contracts, appraisals, escrow, and closing fit together.

Whether you are buying in San Diego County, La Mesa, Los Angeles, Orange County, the Coachella Valley, or elsewhere in California, Matt can help you evaluate whether VA financing is appropriate for your situation.

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Check out what your monthly payment could be by using our VA Mortgage Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

  • Purchase Loan
  • Interest Rate Reduction Refinance
  • Cash Out Refinance
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$50,000 $2 Million
$
$0 $1 Million
$
$50,000 $2 Million
$
%
0% 80%
Loan Term
%
0% 20%
Credit Score
  • Active/Veteran
  • National Guard/Reserve
  • Surviving Spouse
VA Specifics
Advanced (optional)
$
%
0% 5%
$
%
0% 15%
$ /month
Principal & Interest (P&I)
$
Taxes & HOA
$
Homeowners Insurance
$
VA Funding Fee
$
Loan Totals:
Purchase Price $
+ VA Funding Fee $
- Down Payment $
Total Loan Amount $
Other Costs:
VA Funding Fee $
Estimated Taxes & Insurance Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
VA Funding Fee The VA Funding Fee is paid to the VA to help fund the program and varies depending on type of service, loan amount, down payment and subsequent VA Loan usage. This fee can be paid in cash at closing, but most borrowers choose to roll this cost into their monthly payments. The VA Funding Fee is waived for Veterans entitled to VA compensation for a service-connected disability and surviving spouses of Veterans who died in service or as a result of a service-connected disability.
Amount Financed Purchase Price (-) Down Payment (+) VA Funding Fee.
Save & Email Results
Estimated Payment $ /mo
Loan amount
$
VA Funding fee
$
VA Funding fee percentage
Down payment
$
Interest rate
Loan term
Taxes & insurance included?
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan. Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
  • Principal payments: $$240,000 (the amount borrowed)
  • Interest payments: $$297,554 (the cost of borrowing)

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No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

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