VA LOANS IN OXNARD

For veterans, active duty service members, and eligible surviving spouses shopping for a home in California, VA loans present a great opportunity.

With this type of mortgage, you can move into a home with no down payment. And that is just one of the many benefits that make VA loans so competitive.

What is a VA Mortgage?

A VA mortgage is a loan with backing by the US Department of Veterans Affairs. This backing protects lenders if borrowers default.

How does that benefit you? By making it easy for you to qualify for a mortgage, and by ensuring your loan comes with advantageous features and terms.

Benefits of California VA Loans

Immediately move into a beautiful home with no need for a down payment.
You do not need to pay for PMI or MIP even though there is zero down payment requirement.
Even without perfect credit, a VA mortgage can feature affordable rates.
For an affordable home purchase, closing costs are capped.
When refinancing using a VA mortgage, no appraisal is necessary unless discount points are charged.
The funding fee can be waived for eligible disabled veterans.

You can find out more about the benefits of VA loans during your consultation.

Who Qualifies for a VA Mortgage in California?

Any of the following can potentially be eligible for a VA mortgage:

A veteran
An active-duty service member
An eligible surviving spouse

Members who have served in any military branch can apply for a VA mortgage, including activated members of the National Guard or Reserve.

A Certificate of Eligibility (COE) is required at the time you submit your application. To make it easy, we can obtain this for you.

Just as would be the case were you applying for a conventional mortgage, your credit score, debt-to-income ratio, income and employment status will be assessed.

There is also a minimum service requirement before you can purchase a home using a VA loan. 90 days of active duty wartime service or 181 days of continuous active duty peacetime service will usually fulfil this requirement. But you might have a different requirement depending on when you served.

You do not need to check this qualification on your own. We can figure out whether you have met it after you tell us more about your service record.

Apply for a VA Loan in Oxnard or Beyond

With affordable rates, easy qualifications, and no down payment or PMI requirements, VA mortgages are some of the most favourable loan products available. So, if there is a chance you might be eligible, it is worth checking your service record.

To find out now if you can buy a home with a VA loan, please give us a call today at (805) 402-5302 to schedule your mortgage consultation. We work with veterans in Oxnard, Ventura, Santa Barbara, Los Angeles and throughout California.

See What Our Clients Are Saying About Us!

Financial Home Associates

“I have worked with Craig Maltman for many, many years. Feels like both grew up in the business! He is still my leder of choice. He returns call promptly of all house of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval. Try him and he will be your lender of choice for ever”

Emma Morata

Craig was wonderful to work with. He is responsive and made the process as seamless as possible. Would definitely go to him again for future lending!

John Guerrero

Craig was extremely helpful and totally there every step of the way through the whole process. He was very transparent and completely honest with everything he did for me. He was very knowledgeable and fast. I would (and will) use Craig again for any and all future transactions!

Lendsay Loaf

Craig helped me refinance my home. He got me a great rate and shaved 14 years off my mortgage with a negligible increase in my payments. Working with him was so easy, he is a great communicator and has always been available for questions. I would recommend him wholeheartedly.

Nicholas Hebert

I have had the pleasure of working with Craig for 5 years now. When my previous broker decided to close his lending division, it came as a surprise to the entire team. However without hesitation, Craig offered to take our team under his wing so that we were able to continue operating seamlessly without missing a beat. He is an extremely knowledgeable broker and a great leader, constantly adding new lenders so his entire team of loan officers can continue to offer our clients the best product options on the market. He also asks all of us for feedback when making decisions that affect the group which not all business owners do. Craig is not only a pleasure to work with, but a truly great person as well!

Linda Freeny

I have worked with Craig Maltman for many, many years. Feels like we both grew up in the business! He is still my lender of choice. He returns calls promptly at all hours of the day and often night (and that is rare with todays lenders) and pulls off the impossible to get that all important loan approval.Try him once and he will be your lender of choice for ever.

Antoinette Bartsch-Newhouse

If you want your loan to close, this is the place! Craig has helped clients achieve homeownership dreams that they did not believe possible. If you want a hard working lender; who thinks out of the box, look no further.

Buy a Home or Refinance in Oxnard Now

If you are ready to apply now for a flexible home loan in Oxnard or elsewhere in California, Financial Home Associates is standing by. To get started now, please give us a call today at (805) 402-5302 to schedule your mortgage consultation.

CONTACT

Financial Home Associates 1000 Town Center Dr #525 Oxnard, CA 93036

Find us on Google

Phone: (805) 402-5302
NMLS #873846

Financial Home Associates is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.