Conventional & Government
Government — VA
VA 30-Year Fixed
Zero-down financing for eligible active-duty servicemembers, veterans, and surviving spouses.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
580
Min FICO
100%
Max LTV
full doc
Docs
Ideal borrower
Military/veteran borrowers with VA eligibility.
Program highlights
- 0% down payment
- No monthly mortgage insurance
- VA funding fee (can be financed, waived for disabled vets)
- Flexible credit and DTI tolerance
Typical uses
- Servicemember home purchase
Frequently asked questions
- Who qualifies for a VA loan?
- Active-duty servicemembers, honorably discharged veterans, National Guard and Reserve members (after sufficient qualifying service), and surviving spouses of servicemembers who died in the line of duty or from a service-connected disability. You'll need a Certificate of Eligibility (COE) which I can help you pull.
- Do I really get 0% down with a VA loan?
- Yes — VA loans allow up to 100% LTV on primary residences with no private mortgage insurance. The catch is the VA funding fee (typically 2.15% of the loan amount, waived for veterans with service-connected disabilities), which can be financed into the loan.
- Are there VA loan limits in California?
- As of 2020, veterans with full VA entitlement have no loan limit — you can buy as expensive a home as you can qualify for. Partial-entitlement borrowers still face county loan limits (matching conforming limits).
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.