VA LOANS

We honor our veterans not just on Veterans Day, but every day, by recognizing their sacrifice, dedication, and unwavering commitment to protecting our freedoms. As a brokerage deeply embedded in this military-rich region, we are grateful for the bravery of our active-duty service members, veterans, and their families who make San Diego such a special place to call home.

VA Loans Breakdown:

The best mortgage in America — exclusively for those who served.

Zero Down Payment – 100% financing, no money out of pocket.
No Monthly Mortgage Insurance – Save $200–$600/month for life compared to FHA or conventional.
Rate-Friendly & Assumable – Lower average rates than conventional and future buyers can assume your low rate.
Relaxed Credit & Income Rules – Approvals with scores as low as 580–620 and higher debt ratios allowed.
San Diego’s #1 Veteran Mortgage – Home to over 250,000 veterans, we work exclusively with VA lenders who live here, close in 21–28 days, and know every neighborhood’s comps like their own address. Your benefit works harder with us.

VA Loan FAQ's

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How much can I borrow with zero down in San Diego?

As much as your entitlement and income support — routinely $800k–$1.5M+ with no money down here.

Do I need perfect credit for a VA loan?

No — many of my San Diego veterans close with scores in the high 500s–low 600s. VA looks at the whole picture, not just the number.

Is there a loan limit for VA in 2025?

No limit if you have full entitlement. Partial entitlement? Still routinely over $1M in San Diego with nothing down.

What’s the catch with VA loans?

Only catch is it’s for veterans, active duty, reservists, National Guard (with enough service), or surviving spouses. Everyone else has to pay to play — you get the best deal in mortgage history.

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