VA Loan Benefit for California Veterans and CA Active Duty Military
California Veterans and CA Active Duty Military Personnel have access to higher VA guarantee limits than many other states. The higher VA Guarantee allows California Vets the opportunity to purchase a home with zero down payment up to $2 million throughout the state including Bay Area Counties such as San Francisco, San Mateo, Contra Costa, Marin, and Alameda. Los Angeles VA Loans are available up to $2 million with no down payment for qualified Veterans with full VA Entitlement available.
We are also able to make VA Loans up to $2 million for Veterans with a current charge against VA Entitlement (aka partial Entitlement available). These will require a down payment based on a combination of the County VA Loan limit, your available VA Entitlement, and the purchase price of the home. VanDyk Mortgage is a proud VA Lender serving many states including California and Washington, and more. We are a VA Direct Lender.
In 2008, the US Congress authorized increases in the VA Loan Benefit by increasing the Entitlement available to Vets in higher cost areas. This allows us to write VA Loans that are guaranteed by the VA up to the full county loan limit with no down payment for qualified Veterans.
We have compiled the California VA Loan limits for 2022 by county below. (complete 2022 CA Loan Limits here)
Reminder – No maximum VA Loan Limit for Veterans with full entitlement available. Of course you have to show adequate income to make the payments, but the ceiling is individual now.
We have compiled the California VA Loan limits for 2022 by county below.
State County 2022 VA Loan Limit
CA ALAMEDA $970,800
CA ALPINE $647,200
CA AMADOR $647,200
CA BUTTE $647,200
CA CALAVERAS $647,200
CA COLUSA $647,200
CA CONTRA COSTA $970,800
CA DEL NORTE $647,200
CA EL DORADO $675,050
CA FRESNO $647,200
CA GLENN $647,200
CA HUMBOLDT $647,200
CA IMPERIAL $647,200
CA INYO $647,200
CA KERN $647,200
CA KINGS $647,200
CA LAKE $647,200
CA LASSEN $647,200
CA LOS ANGELES $970,800
CA MADERA $647,200
CA MARIN $970,800
CA MARIPOSA $647,200
CA MENDOCINO $647,200
CA MERCED $647,200
CA MODOC $647,200
CA MONO $647,200
CA MONTEREY $854,450
CA NAPA $897,000
CA NEVADA $647,200
CA ORANGE $970,800
CA PLACER $675,050
CA PLUMAS $647,200
CA RIVERSIDE $647,200
CA SACRAMENTO $675,050
CA SAN BENITO $970,800
CA SAN BERNARDINO $647,200
CA SAN DIEGO $879,750
CA SAN FRANCISCO $970,800
CA SAN JOAQUIN $647,200
CA SAN LUIS OBISPO $805,000
CA SAN MATEO $970,800
CA SANTA BARBARA $783,150
CA SANTA CLARA $970,800
CA SANTA CRUZ $970,800
CA SHASTA $647,200
CA SIERRA $647,200
CA SISKIYOU $647,200
CA SOLANO $647,200
CA SONOMA $764,750
CA STANISLAUS $647,200
CA SUTTER $647,200
CA TEHAMA $647,200
CA TRINITY $647,200
CA TULARE $647,200
CA TUOLUMNE $647,200
CA VENTURA $851,000
CA YOLO $675,050
CA YUBA $647,200
Many Vets would like to purchase or refinance a home that exceeds their net eligibility from charged entitlement and the respective County VA Loan Limit. If you need a VA loan for a higher amount than your county loan limit net calculation, please call us. We offer VA loans over the county loan limit net calculation for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline), up to $2.0M nationwide with appropriate down payment or home equity to meet the VA guarantee requirement. Call or text Brian Skaar at 760-752-4480 to get started. VanDyk Mortgage also offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).
>>> Get started here on your VA Loan online, or give us a call at 866-900-2342 (toll free direct)
VA loans can be used to purchase condominiums up to your full benefit as well.
If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for VA IRRRL Streamline Refinance (aka VA Streamline), Refinance and Purchase up to $2.0 M. Call Brian Skaar at 760-752-4480 to get started.
We proudly serve the following Cities in California: Carlsbad, Chula Vista, Corona, Encinitas, Escondido, Fremont, Fresno, Huntington Beach, Irvine, Lake Elsinore, Long Beach, Los Angeles, Menifee, Monterey, Moreno Valley, Murrieta, National City, Oakland,Oceanside, Pasadena, Poway, Rancho Bernardo, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Jose,San Marcos, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Monica, Santa Rosa, Temecula, Ventura, Vista, Wildomar
>>> Get started here on your VA Loan PreApproval or give us a call at 866-900-2342 (toll free direct)