VA Home Loans
You served. This is the benefit.
Zero down payment, no monthly mortgage insurance, and competitive rates — for active-duty service members, veterans, and eligible surviving spouses across Southern California.
No down payment
Finance up to 100% of the purchase price on eligible loans.
No monthly PMI
VA loans carry no monthly mortgage insurance — real savings every month.
Competitive rates
VA rates routinely beat conventional pricing for the same borrower.
Reusable benefit
Your entitlement can be restored and used again on a future home.
Flexible qualifying
More forgiving credit and debt-ratio guidelines than conventional.
Capped closing costs
The VA limits what lenders can charge you, and sellers may pay more.
Straight Talk
Camp Pendleton to March ARB, this is home turf.
Southwest Riverside County has one of the largest military and veteran populations in California. PCS timelines, BAH, entitlement restoration, and funding-fee exemptions are routine conversations here — not something looked up mid-escrow.
- PCS-aware timelines and remote closings
- Entitlement restoration on second use
- Funding-fee exemption for disability ratings
- Realistic offers in competitive markets
Good to Know
Common Questions.
Do I really need zero down?
Zero down is available on eligible VA purchases up to your entitlement. You can still put money down if you want a lower payment — we run both scenarios so you can see the difference.
What is the VA funding fee?
A one-time fee that can be financed into the loan, varying by service type, down payment, and whether it is a first use. Veterans receiving compensation for a service-connected disability are typically exempt entirely.
Can I use a VA loan more than once?
Yes. Entitlement can be restored after a sale and payoff, and in some cases you can hold two VA loans at once — common for service members who PCS and keep the first home as a rental.
Are VA loans slower to close?
Not when the file is prepared properly. The appraisal has VA-specific requirements, which is exactly why an experienced local loan officer matters — we plan for them instead of reacting to them.
Kristen Boano, NMLS #1995496 · NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender. This page is general information, not a commitment to lend. Loan approval is not guaranteed and is subject to lender review of your complete application. Program terms and availability are subject to change.