California VA Home Mortgages

No Credit Impact Mortgage Prequalification

California VA Home Mortgages

No Credit Impact Mortgage Prequalification

California Va Mortgage Lender

Welcome to Capital Home Mortgage California.  As a California VA Mortgage Lender, we strive to provide California Veteran homebuyers and homeowners California VA Home Loans at competitive California VA Mortgages Rates with low fees while ensuring outstanding customer service. First, we’d like to thank you for your service and we are honored that you have given us the opportunity to earn your business.  

We understand that purchasing a home with your California VA Home Loan Benefit is an important decision.  Whether you have used your VA entitlement before or this is your first time we will walk you through the VA loan process from beginning to end. Capital Home Mortgage California offers dedicated VA Loan officers as points of contact to assure a stress-free experience resulting with an on-time closing.  After all, buying a home with your VA Benefit should be exciting, you have earned it. Capital Home Mortgage California is a California VA Mortgage Lender that manages the entire lending process.  Our in-house processing and underwriting enables for quick, common sense approvals and timely closings.  As a direct VA endorser we have complete control over everything from the application to the funding.

Call today (888) 620-7744 to talk to one of our California VA Loan Officers about California VA Mortgage Rates.

California VA Mortgage Rates

What is a California Va Home Loan?

California VA Home Loans are for active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses.

VA stands for “Veterans Administration“, which oversees all Veteran benefits including home loans. Established in 1944 and part of the GI Bill or Rights. VA set out to help men and women who served their country catch up to their civilian counterparts by establishing credit and building financial wealth.

It’s important to understand that VA does not lend money, VA instead provides lenders a guarantee that covers the lender from loss in the event of foreclosures.

In simple terms VA insures a portion of the loan that the buyer  would have normally had to put down to qualify allowing for a zero down payment. VA loans require an upfront mortgage insurance fee, which can be financed into the loan, from each borrower. This fee supports the guarantee fund and makes the 100% VA home loan possible. Veterans with a minimum of 10% disability are exempt from the funding fee.

California does offer specific options for California Veterans in the form of reduces property taxes according to the type of disability the Veteran has as well as the percentage of disability rating.

California VA Eligibility

The California VA Home Loan can be used for a California VA Purchase Loan, a California VA “IRRRL” Streamline Refinance Loan, or a California VA Refinance Cash Out Conversion refinance which allows a mortgage conversion from another type of mortgage to a California VA Home Mortgage.  To be eligible you must meet one of the following criteria.

  • Active Duty – 90 Days Wartime / 180 Days Peacetime
  • Honorable Discharged – 22 Months of Completed Service
  • National Guard / Reserves – 6 Years Completed Service
  • Spouse of a Service Member who Died in the line of Duty or Service Related Disability

California VA Purchase Home Loans

California VA Purchase Home Loans

  • No Down Payments Requirements
  • Manual Underwriting Allowed
  • No Monthly Mortgage Insurance
  • Higher Debt to Income Allowed
  • Manufactured Homes Permitted
Capital Home Mortgage California is proud to serve California Veterans in obtaining home ownership in California. The benefits of a California VA Home Loan Purchase are many.  Contact one of our California VA Loan Officer to discuss all the benefits and options. Thank you again for you service!

California VA "IRRRL" StreamLine REfinance Loans

California VA Purchase Home Loans

  • VA IRRRL Rate & Term
  • Streamline Option
  • No Appraisal Required
  • No Income Verification
  • Must Meet VA Payback Requirement
Capital Home Mortgage California is proud to serve California Veterans in reducing the mortgage payment with a streamline refinance “IRRRL” VA Home Loan. Contact a California VA Loan Officer to discuss the streamline process and how simple it is to reduce your payments. Thank you again for you service!

California VA Refinance Cash Out Conversion Loans

California VA Purchase Home Loans

  • Cash-Out or Loan Conversion
  • Full Documentation
  • Appraisal Required
  • Income Verification Required
  • 100% Loan to Value
Capital Home Mortgage is proud to serve Veterans in converting their current mortgage program over to a VA Home Mortgage and enjoy the many benefits of a VA Home Loan.  Contact a VA Loan Officer to discuss the streamline process and how simple it is to reduce your payments.  Thank you again for you service!

California Military Presence

California holds immense military significance due to several factors. The first of which is the presence of Major Military Installations. California hosts numerous major military installations across all branches of the U.S. Armed Forces.

Naval Base San Diego: One of the largest naval bases on the West Coast, homeport to several aircraft carriers, submarines, and a multitude of surface ships.

Marine Corps Base Camp Pendleton: The largest Marine Corps base on the West Coast, covering over 125,000 acres and supporting training, operations, and deployments for Marines and other military units.

Edwards Air Force Base: A key center for flight testing, research, and development of aerospace technologies, including experimental aircraft and space vehicles.

Vandenberg Space Force Base: A vital launch and landing site for military and civilian space missions, including satellite launches, missile tests, and space exploration missions.

Travis Air Force Base: A major air mobility hub and logistics center, providing airlift and aerial refueling support for global military operations.

Naval Air Weapons Station China Lake: A key testing and research facility for naval weapons and munitions, including missile systems and explosives.

Secondly is California’s geographic location on the West Coast of the United States gives it strategic importance for defense and national security. Its extensive coastline, international ports, and proximity to the Pacific Ocean make it a critical gateway for maritime operations and power projection in the Indo-Pacific region.

Third is its being an Economic and Technological Hub. California is a leading center for defense industry innovation, research, and development. It hosts numerous defense contractors, technology companies, research institutions, and academic centers engaged in cutting-edge defense technologies, including aerospace, cybersecurity, artificial intelligence, and advanced manufacturing.

Training and Readiness. California’s diverse terrain, climate, and airspace provide ideal conditions for military training and readiness activities. Military units conduct realistic training exercises, including live-fire drills, amphibious landings, urban warfare training, and joint and multinational exercises, enhancing their preparedness for combat and humanitarian missions.

California plays a critical role in homeland defense and security, particularly in countering threats such as terrorism, transnational organized crime, and illegal immigration. Military installations, National Guard units, and federal agencies collaborate with state and local authorities to safeguard California’s borders, critical infrastructure, and population centers.

California’s military assets and personnel are often called upon to support humanitarian assistance and disaster response efforts, both domestically and internationally. Military units provide search and rescue operations, medical assistance, logistical support, and disaster relief services during natural disasters, such as wildfires, earthquakes, and hurricanes.

Overall, California’s military significance stems from its strategic location, extensive military infrastructure, economic contributions to defense innovation, and contributions to national security, defense readiness, and humanitarian missions.

Why California is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Fees

Exceptional Service

7  Day a Week Support Application to Funding

California Mortgage Company Reviews

California Mortgage Team

Dale-Gremillion

Dale Gremillion

Sr Loan Officer
NMLS #210325
Conor-Hayhurst

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859
California Mortgage Programs

California Purchase loans

Looking to Purchase a California Home?

  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

California Renovation Loans

Looking to Rehab a California Home?

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

California FHA Home loans

Great First Time California Homebuyers

  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

California va Home Loans

100% Financing for California Veterans

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

California Conventional loans

Flexibility for California Homebuyers

  • Primary, 2nd Home, Investment
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
  • Renovation Programs Available

California Jumbo Home Loans

California Non-Conforming Mortgage Loans

  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

California USDA Home loans

100% California Rural Home Mortgages

  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

California Native american Loans

California Hud 184 Home Loans

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

California Manufactured loans

Great California Affordable Housing

  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

California Reverse Mortgages

Your California Home at Work for You

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

California Non QM Home loans

Making California Mortgages Possible

  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

California construction Loans

Build Your California Dream Home

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

California Refinance Home Loans

California Rate & Term Refinance

  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

California Cashout Home Loans

California Equity Cash Out Mortgages

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

California Cities

Los Angeles Home Loans

San diego Home Loans

Fresno Home Loans

Sacramento Home Loans

San jose Home Loans

San francisco Home Loans

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