The VA loan is the most powerful mortgage program available — zero down payment, no private mortgage insurance, and competitive rates. Veterans and active service members who do not use this benefit are leaving significant money on the table.
No other loan program offers this combination of benefits. Each one represents a direct, measurable financial advantage over conventional and FHA alternatives.
Eligible borrowers can purchase with no money down — no exceptions required, no program restrictions. On a $700,000 SoCal purchase, that preserves $70,000 to $140,000 in capital that would otherwise be tied up in the property.
Conventional loans require PMI below 20% down. FHA requires MIP for the life of the loan in many cases. VA requires neither. On a $600,000 loan, eliminating PMI saves $300 to $500 per month — over $100,000 across a 30-year term.
VA loans are backed by the federal government, which reduces lender risk. Rates are typically at or below conventional market rates. Combined with no PMI, the total monthly cost is often lower than any comparable program.
Sellers can contribute up to 4% of the purchase price in concessions — covering funding fee, closing costs, prepaid items, and more. In a negotiated purchase, this can result in a no-out-of-pocket transaction.
Once you have a VA loan, the Interest Rate Reduction Refinance Loan allows you to refinance to a lower rate with minimal documentation, no appraisal in most cases, and reduced funding fee. Fast and low-cost when rates drop.
The VA benefit can be used multiple times throughout your life. If you sell a home and pay off the VA loan, your entitlement is restored. You can also have more than one VA loan simultaneously in certain circumstances.
Eligibility is determined by service history. A Certificate of Eligibility (COE) is required before closing but can be obtained quickly through VA records. If you are unsure of your eligibility, contact Troy directly and he will help you verify it.
Eligibility rules have changed over the years and some veterans are unaware they qualify. A call directly to Troy is the fastest way to confirm your eligibility and get a COE ordered.
(562) 244-7963The funding fee can be financed into the loan amount. Veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee entirely.
A COE is required to confirm your VA benefit before closing. In most cases it can be pulled electronically through the VA system in minutes. If records require additional documentation, we handle the request process on your behalf. This is not a barrier to moving forward with pre-qualification.
The VA loan process moves quickly with the right broker. Confirming eligibility, ordering the COE, and identifying the right lender from our pool of VA-approved investors can all happen within a business day.
If you have already been quoted a rate elsewhere or told you may not qualify, a second look costs nothing and frequently produces a different outcome.
This is not a commitment to lend. VA loans subject to VA eligibility and lender approval guidelines.