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 does “buy before you sell” mean?
“Buy before you sell” allows homebuyers to purchase their next home before selling their current property, giving them more flexibility and less pressure during the transition.

Q: How can I finance buying a new home before selling my current one?
Options include bridge loans, home equity lines of credit (HELOC), or temporary financing solutions. A local mortgage expert can help you determine the best approach based on your finances.

Q: What are the risks of buying before selling?
The main risks are carrying two mortgages at once and potential market fluctuations affecting your current home’s sale price. Careful planning and guidance from a mortgage professional can mitigate these risks.