VA Loan Benefit for California Veterans and CA Active Duty Military

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: CarlsbadChula VistaCoronaEncinitasEscondido, Fremont, Fresno, Huntington Beach, Irvine, Lake Elsinore, Long Beach, Los AngelesMenifee, Monterey, Moreno Valley, MurrietaNational CityOakland,Oceanside, Pasadena, Poway, Rancho Bernardo, Riverside, Sacramento, San Bernardino, San DiegoSan FranciscoSan Jose,San Marcos, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Monica, Santa Rosa, Temecula, Ventura, VistaWildomar

>>>  Get started here on your VA Loan PreApproval or give us a call at 866-900-2342  (toll free direct)

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