A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. It often requires no down payment and no private mortgage insurance (PMI).

Who is eligible for a VA loan?

Veterans, active-duty military, National Guard and Reserve members, and some surviving spouses may qualify. Eligibility is determined based on service history and meeting VA guidelines.

Can I use a VA loan in California?

Yes! VA loans are available throughout California, including Roseville, Rocklin, Loomis, and Sacramento. They provide competitive interest rates and flexible terms to help eligible buyers purchase a home.

VETERAN AFFAIRS LOAN

A Superior Program to Recognize Our Heroes

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What is a VA Loan?

A VA home loan is insured by the U.S. Department of Veterans Affairs and issued by VA approved lenders. This government guaranteed loan encourages these approved lenders to lend with more flexible and lenient qualifying guidelines.

Qualifying for a VA Loan

The following qualify for a VA home loan with suitable credit, adequate income, and a valid Certificate of Eligibility:

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Veterans

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Actively Serving Military Personnel

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Surviving Spouses

What a VA loan offers

A VA loan provides more options including:

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100% Financing available*

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No mortgage insurance requirement

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Financing up to 103.15%*

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Funding fee may be financed

VA Loan Benefits

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First Time Buyers

Veterans purchasing their first homes can qualify for more home thanks to no requirement for mortgage insurance. The VA does not require a down payment, and homebuyers can even purchase a home that needs repairs or remodeling and include the costs of those repairs into the VA loan, up to 103.15%*.

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Streamlined Refinance

This lowers the interest rates of many veterans without having to re-qualify. The VA mortgage is an incredible program that honors our heroes. The amazing benefits to buyers or borrowers cannot be matched by any other loan program. Purchase a home with no money down, borrow 100% of the value of the home or more, qualify with lenient guidelines, and avoid mortgage insurance requirements with a VA loan.

We’re here to help.

Not sure if you qualify? Want to compare a VA loan to other programs to be sure you are getting the perfect loan? Our expert loan advisors at the JJ Mack Team can go over the VA guidelines so you can rest easy knowing that the VA loan is a superior program established in recognition of you. * Qualifying factors may apply

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LET'S CHAT

Frequently Asked Questions

Q: What makes your mortgage process different from other lenders in Roseville?

Our mortgage process focuses on speed, communication, and flexibility. As a local Roseville mortgage broker, we compare loan options across multiple lenders to find the best fit for your needs rather than offering a single bank’s products. You get personalized guidance, faster updates, and a smoother homebuying experience from start to finish.

Q: How fast can I get pre-approved for a home loan?

Most homebuyers can receive a pre-approval within the same day once documents are submitted. Many borrowers even receive a pre-approval in just a few hours. As a local mortgage broker, we streamline the process by reviewing your information quickly and matching you with the right lender for your timeline.

Q: Can I get help comparing different loan options?

Yes. We help you compare mortgage options side-by-side, including conventional, FHA, VA, jumbo, and first-time buyer programs. Because we work with multiple lenders, we can show you different rates, payment scenarios, and qualification requirements so you can choose the loan that aligns best with your goals.