Why should I use a VA loan to purchase a home?

NO Downpayment - 100% financing 

For loans up to $546,250. Loans greater than that will require a down payment equal to 25% of the difference between the purchase price and $546,250.

LOWER Interest Rates

Lenders face less risk on a VA loan since the loan is government backed and, in general, veterans usually have a lower default rate that traditional borrowers.Therefore, this typically results in rates that are 0.25% than other loans. 

Flexible Credit Standards

In general,  the minimum acceptable FICO score for a VA loan is 620, but each lender has the ability to set its own minimum and requirements for the borrower.

Pay off Existing Debt

Seller may credit buyer with up to 4% of purchase price to pay off existing debt!

NO Mortgage Insurance Premiums

All other loan programs in which a borrower puts less than 20% down will require private mortgage insurance(PMI) of some sort. This is not the case with the VA and makes it a huge benefit!

Use BAH to accumulate equity in a home and INCREASE net worth

Instead of using your BAH to rent a home and put the money directly into a landlord's pocket, why not purchase a home and keep it for yourself? For similar payments and limited out of pocket expenses, as a homeowner, you can accumulate equity in the home and benefit from the appreciation of the property over time. 

DOES NOT expire and IS resuable

Unlike other military benefits, it can be used over and over again. There is no time limit and no limit to the number of times the benefit can be used. 



Today's Featured Properties

560 June Way, El Cajon CA 92021


560 June Way, El Cajon

Traditional sale ready for the right buyer! This lovely home is ready for your finishing touches. Centrally located near shopping, restaurants and walking distance to sch...

  • Beds 3
  • Baths 2.0
  • MLS 140050858

12630 Casa Avenida, Poway CA 92064


12630 Casa Avenida, Poway

Excellent home in northern part of Poway. This house is a must see. Big back yard and front yard. Front of the house has very large parking space for RV or boat. Granite ...

  • Beds 3
  • Baths 2.0
  • MLS 140050855


1785 Eldon Ct., El Cajon

RARE OPPORTUNITY!!! CUL-DE-SAC - VIEWS - POOL - Beautiful ranch style home is located at the head of a cul-de-sac, elevated over the homes to its East providing panoramic...

  • Beds 4
  • Baths 2.0
  • MLS 140050854

3798 Via Baldona, Oceanside CA 92056


3798 Via Baldona, Oceanside

Great starter home in family friendly neighborhood. Home has new exterior paint, all appliances included-less than 3 yrs old, laundry area inside, alarm system, high cei...

  • Beds 3
  • Baths 2.0
  • MLS 140050842

11369 Polaris Dr., Mira Mesa CA 92126


11369 Polaris Dr., Mira Mesa

Very nice Westview heights home with 2nd story pano views. No HOA, No Mello Roos! Nice size back yard...desireable floorplan with seperate living, family room and Large...

  • Beds 4
  • Baths 3.0
  • MLS 140050841

board logo

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by Sandicor®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2014 Sandicor®, Inc.

Free Daily Email Updates

  • Automated home searches
  • Favorite properties
  • Email updates
  • And much more…