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: Why is the JJ Mack Team considered one of the best mortgage lenders in Roseville?

The JJ Mack Team is known for fast approvals, transparent communication, and a 5-star client experience. With over 106 verified 5-star Google reviews and deep expertise in the Roseville housing market, our team is trusted by both homebuyers and top real estate agents for delivering smooth, on-time closings.

Q: What types of home loans does the JJ Mack Team offer in Roseville?

We provide a wide range of mortgage options, including Conventional loans, FHA, VA, Jumbo, CalHFA first-time buyer programs, investment property loans, refinancing, and down payment assistance. We help you compare programs and find the best mortgage strategy for your financial goals.

Q: Does the JJ Mack Team serve areas outside of Roseville?

Yes. In addition to Roseville, we serve Rocklin, Lincoln, Loomis, Folsom, Granite Bay, Citrus Heights, Sacramento, Fair Oaks, El Dorado Hills, Antelope, Carmichael, and surrounding cities throughout Placer, Sacramento, and El Dorado counties.