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Find Your New Home Today - San Diego Property Search

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

NO Down payment - 100% financing 

For 2022, the VA has done away with county derived loan limits. Be sure to call today to find out this affects your qualifications.

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 reusable

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

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11223 Carrillo Drive, Mission Hills (San Fernando) $745,000

This gorgeous and spacious tri-level detached home built in 2020 by D.R. Horton was lovingly updated even more by the current homeowners to include everything you can wan...

  • 3 Beds
  • 3 Baths
  • TR23046258 MLS
  • COMING SOON Status
11316 Sunshine, Studio City image
11316 Sunshine, Studio City $1,565,000

Welcome to 11316 Sunshine Terrace! This charming California cottage was built in 1937 and is located in the hills just two blocks from Ventura Blvd. Despite its proximity...

  • 3 Beds
  • 2 Baths
  • CV23046244 MLS
  • COMING SOON Status
1421 Calle Goya Street, Oceanside image
1421 Calle Goya Street, Oceanside $815,000

Stunning Single Story large corner lot, coastal modern home. Open concept with plenty of windows and light, the interior is complemented by vaulted ceilings, skylights, a...

  • 3 Beds
  • 2 Baths
  • NDP2302017 MLS
  • COMING SOON Status
10327 Lake Summit Drive, Moreno Valley image
10327 Lake Summit Drive, Moreno Valley $589,000

Welcome to 10327 Lake Summit Drive, a beautiful home located in Sunnymead Ranch! As you enter into the 2 story former model home, you'll immediately notice the large open...

  • 4 Beds
  • 3 Baths
  • IV23046181 MLS
  • COMING SOON Status
888 Cherrywood Way, El Cajon image
888 Cherrywood Way, El Cajon — Cherrywood Park $425,000

This is a cute townhome in a very quiet neighborhood. Very well kept by owner. Nice large living area. Kitchen spacious and well equipped, all appliances convey. Laun...

  • 2 Beds
  • 2 Baths
  • 230005202 MLS
  • Cherrywood Park Bldg.
  • ACTIVE Status
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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 San Diego MLS®. 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 © 2023 San Diego MLS®,

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Why Choose Evan?


Evan Banning is a real estate professional who offers a meaningful difference to his clients— a rich mix of insightful problem-solving skills and a natural instinct for caring about people.

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CALIFORNIA HOUSING AND LENDING
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