Orange County

VA home loan rates have once again fallen though the floor where they are breaking record loans again.   So if you haven’t yet it could be a great chance to take a look a VA loan refinance to lower your payment and dramatically lower the amount of interest you pay on your mortgage per year.  [...]

The Best of VA home loans in California

by rob on November 16, 2011

This post outlines some of the best highlights of VA home loans in California: VA home loans are 100% financing zero down payment VA home loan requirements allow for a very high debt-to-income ratio, even higher than FHA and conventional loans VA loan limits go up to $1 million with zero down in San Francisco, [...]

Short sales have been very common throughout the state of California the last four years.  Many borrowers have found themselves upside down on their properties after the decline in house prices mostly in 2008 and 2009.  The good news is that you can get a VA loan only two years after a short sale.  This means many [...]

VA home loan requirements only require a two year wait after a chapter 7 bankruptcy for active military and veterans to qualify for a VA home loan in California.  The wait after a chapter 13 bankruptcy is only 1 year.  Many times borrowers VA loan credit score had rebounded to over a 640 score in [...]

VA Home Loan Requirements To Get Started

by rob on September 23, 2011

This post is a list of items you will need to get started in getting approved for a VA loan in California per VA home loan requirements. Call a VA loan officer to go though VA loan application and credit check Last 30 days paystubs (or LES if active duty) Last 2 years W-2′s Last [...]

Many VA borrowers across the state of California may owe some excess state or federal taxes from previous years that show up on their VA credit report as an existing tax lien.  The good news is VA home loan requirements allow borrowers to be approved for a VA loan even if they have an existing tax [...]

VA lending to active military and veterans remains the incredibly flexible, 100% zero down home loan it always has been as other types of home loans continue to significantly tighten their lending guidelines.  Here are some examples: VA loan credit score: You can still get a 100% zero down VA loan with a 600 credit [...]