VA Home Loans Prequalify VA Loan Application
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Since 1944, VA loan programs have been offered to our nation’s military members. The loans are made only by VA-approved lenders and are backed by the Federal Government. Most veterans, active duty military personnel, surviving spouses and others may be eligible for VA home loan benefits. VA purchase loans, regular refinance loans (including cash-out), Streamline refinancing and mortgage assumption are available with competitive interest rates and flexible terms to meet almost every budget.
VA mortgages are known for their attractive features such as no cash down on purchases, no private mortgage insurance and quick and affordable Streamline refinancing. VA loan interest rates are competitive with national mortgage rates which can change daily depending on the market. Lock in your low rate today Because the U.S. Department of Veterans Affairs guarantees every loan, approved lenders like us can offer many unique advantages over conventional loans such as 100% loan-to-value, no monthly mortgage insurance premiums and relaxed qualifying.
VA Purchase Loans
VA NO-NO, No Down Payment and No Closing Costs. VA purchase loans are exceptional because qualified military borrowers can buy primary residences valued at up to $417,000 with no money down and no private mortgage insurance. The zero-down feature of VA mortgage is popular with military members, and most choose VA purchase loans for this reason. Choose from 15- to 30-year fixed rate mortgages and even include up to $6,000 for energy efficient upgrades to your new home. We as dedicated loan professionals can assist you in customizing your purchase loan.
VA purchased properties must meet VA minimum property standards.
VA Refinance Loans
VA refinance loans allow eligible borrowers to get today’s low interest rates, more desirable terms or even cash out of equity they’ve accrued in their homes to pay down debts or make improvements. VA Streamline refinancing helps existing VA borrowers reduce interest rates and/or monthly payments quickly and cost-effectively, often without an appraisal.
Ask how VA loans and non-VA loans can be refinanced with this no-hassle program.
VA Loans vs. FHA Loans
Veterans who are not eligible for VA loans may qualify for similar benefits with FHA loans. This government-backed mortgage program offers low down payments and competitive interest rates. As a dedicated lender of government-backed loans, we offer VA and FHA mortgages to assure borrowers have the best options available. Ask us about FHA loans for veterans and civilians alike. VA loans are not fico driven but some Lenders may require minimum 620 fico score, however our banks don't and underwrite stricly by VA guidelines. Our banks also underwrite by FHA guidelines with NO FICO Scores and minimum 580 fico scores which many banks require 620 or higher fico. We specialize in Under 640 Fico Score Loans.
Sheryl Arndt, Veteran & VA Loan Specialist
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer DRE# 01140252 NMLS# 297251
Sheryl Arndt, Broker/Loan Officer Providing Agent/Broker services and home loans for: Los Angeles County, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, Madera County, Chowchilla, Madera, Marin County, Belvedere, Corte Madera, Fairfax, Larkspur, Mill Valley, Novato, Ross, San Anselmo, San Rafael, Sausalito, Tiburon, Mariposa County, Mendocino County, Fort Bragg, Point Arena, Ukiah, Willits, Merced County, Atwater, Dos Palos, Gustine, Livingston, Los Banos, Merced, Modoc County, Alturas, Mono County, Mammoth Lakes, Monterey County, Carmel, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Salinas, Sand City, Seaside, Soledad, Napa County, American Canyon, Calistoga, Napa, St. Helena, Yountville, Nevada County, Grass Valley, Nevada City, Truckee, Orange County, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin , Villa Park, Westminster, Yorba Linda, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Plumas County, Portola, San Bernardino County, Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Fontana, Grand Terrace, Hesperia, Highland, Loma Linda, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, San Bernardino, Twentynine Palms, Upland, Victorville, Yucaipa, Yucca Valley, Riverside County, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Coachella, Corona, Desert Hot Springs, Hemet, Indian Wells, Indio, La Quinta, Lake Elsinore, Moreno Valley, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, Riverside, San Jacinto, Temecula, Placer County, Auburn, Colfax, Lincoln, Loomis, Rocklin, Roseville, Sacramento County, Folsom, Galt, Isleton, Sacramento, San Benito County, Hollister, San Juan Bautista, San Diego County, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside, Poway. 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