VA Loans - RWM Home Loans
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VA Loans

Congratulations on choosing to use your VA Home Loan benefits. We have served hundreds of active duty military and Veterans, Coast Guard, National Guard and Reservists just like you and your family.

Benefits of the VA Home Loan Program

Purchase Loans

  • Zero down payment & closing costs
  • Low interest rate and payments
  • Quick and easy closings
  • No monthly mortgage insurance
  • Flexible and make sense qualifying
  • Loan amounts to $1 million
  • Benefits apply to Same Sex Spouses
Refinance Loans
  • Streamline refinance
  • Lower your rate & payment
  • Cash out for any reason
  • IRRRL’s owner & non-owner
Click Here Same Day Contact
  • Talk with a professional
  • Get all the answers
  • Payment & rate quote
  • Pre-approvals over the phone
  • No pressure & no obligation

VA Purchase Home Loan Highlights

  • Zero down payment required up to the county maximum
  • Flexible and make sense underwriting
  • Higher debt ratios allowed
  • Lower closing costs compared to conventional loans
  • Low rates and no monthly mortgage insurance
  • Loan amounts up to $649,750 in San Diego County
  • Loan amounts up to $679,650 in Orange and Los Angeles County

No down and No closing costs – (VA No No)
Yes, your VA home loan benefits allow you to purchase a property with zero money down and obtain a seller or lender credit to cover your allowable closing costs. This enables a veteran to purchase a home with no upfront cash required.

Getting Pre-qualified is Fast and Simple.

Pre-qualification Certificate:

Getting pre-qualified to determine your purchasing power is fast and simple. One of our VA loan experts will qualify you over the phone for an appropriate sales price and loan amount. We will then give you a Pre-qualification Certificate which can be presented to your Realtor or Seller indicating you are a serious homebuyer and have been pre-qualified by a VA approved lender. We will work closely with you and your Realtor to ensure a smooth and successful closing.

VA Home Loan Eligibility

You may be eligible for a VA home loan if you meet any one of the following criteria:

  • Active duty military with 90 days of service
  • Served 181 days during peacetime on active duty prior to Sept. 1980
  • Served 24 months from Sept 1980 until start of Desert Storm
  • Have served 6 years in the Reserves or National Guard
  • You are an un-remarried spouse of a service member killed in the line of duty

If you answered “yes” to any one of the criteria above, congratulations, you may be eligible for a VA home loan. If you are uncertain, please call the Government Loan Center and we will help you determine your eligibility. The next step is to obtain your Certificate of Eligibility.

Certificate of Eligibility
The Certificate of Eligibility verifies that you are eligible for a VA home loan. This certificate can be obtained several different ways and should be done early in the loan process. Just call us and in most cases we are able to obtain your Certificate of Eligibility within minutes. We are experts at obtaining Certificates of Eligibility and resolving entitlement issues so please allow us to do this for you.

Form DD214 Certificate of Release or Discharge from Active Duty
Although not always required, this document can help with obtaining your Certificate of Eligibility and should be presented to us at time of loan application. This form documents your separation from service and helps the Department of Veteran’s Affairs identify you and your VA home loan benefits and entitlement. We are experts at obtaining eligibility so please allow us to do this for you.

A Service Connected Disability Waives the Funding Fee - Yes it's True!
If you have a service connected disability your funding fee will be waived saving you potentially thousands of dollars at closing. Ask one of our VA home loan experts to explain how this works.

VA Home Loan Refinance Programs:

VA Interest Rate Reduction Refinance Loans (IRRRLs), also known as VA Streamline
The Veterans home loans program allows a Veteran with an existing VA loan to simply refinance and trade their current loan in for a lower rate and payment. There is no income qualifying and the process is quick and easy. Just click on the 'Refinance' button and fill out the brief application. A qualified VA loan expert will contact you, go over your application, and get you pre-qualified. Let's get started!

VA Cash Out Refinance:
The VA refinance program allows Veterans to refinance their existing mortgage (conventional or government) and pull cash out for any reason. Home improvement, bill consolidation, college tuition, or for personal needs.

How do I get started? Simply call 1-800-708-4618 and ask for a VA loan expert or fill out the online application and a loan officer will call you within 24 hours.

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