{"id":23,"date":"2012-03-26T00:39:23","date_gmt":"2012-03-26T00:39:23","guid":{"rendered":"http:\/\/governmentloanpros.com\/san-diego-california\/?page_id=23"},"modified":"2022-12-08T18:26:09","modified_gmt":"2022-12-09T02:26:09","slug":"va-loans-va-jumbo-loans-san-diego-2023-update","status":"publish","type":"page","link":"https:\/\/governmentloanpros.com\/san-diego-california\/va-loans-va-jumbo-loans-san-diego-2023-update\/","title":{"rendered":"VA Loans"},"content":{"rendered":"<p><strong>VA Loans<\/strong> are one of the most popular VA Benefits of Military Service used in San Diego.\u00a0 VA Loans require ZERO down payment up to $2m for Veterans with full VA Entitlement available. The $977,500 San Diego county VA Loan Limit for 2023 applies to calculations for Veterans with partial VA Entitlement available.\u00a0 VA Loans require NO Monthly Mortgage Insurance. VA Loans are also forgiving in regards to Credit Scores, VA Loans after Bankruptcy, VA Loans after Foreclosure and VA Loans after Short Sale.<\/p>\n<p><strong>San Diego VA Guaranteed Home Loans<\/strong> are made by Private Lenders like VanDyk Mortgage.\u00a0 \u00a0The VA, ie the U.S. Department of Veteran Affairs guarantees VA loans for eligible San Diego Veterans to purchase a Single Family Home, Condominium, or 2-4 unit multi-family home. \u00a0The VA guaranty protects the Lender against loss if the Veteran fails to repay the loan due to hardship. No down payment is required on most VA guaranteed home loans and the Veteran borrower usually receives a competitive interest rate compared with conventional loans.<\/p>\n<p><strong>Here are some of the benefits with VA loans for San Diego Veterans<\/strong>:<\/p>\n<ul>\n<li>100% VA Purchase Loan up to $2,000,000 in San Diego for 2023 &#8211; Veterans with full VA Entitlement available<\/li>\n<li>The 2023 San Diego County VA Loan Limit &#8211; $977,500 only applies to Veterans with partial VA Entitlement available for VA Jumbo Loans<\/li>\n<li>Vets with partial VA Entitlement available can still qualify up to $2m for San Diego VA Jumbo Loans, however a down payment will be required<\/li>\n<li>The down payment formula for Veterans with partial VA Entitlement is based on the San Diego VA Loan Limit, the amount of available VA Entitlement and the homes purchase price.<\/li>\n<li>Closing costs are typically lower than conventional or FHA Loans<\/li>\n<li>NO PMI<\/li>\n<li>No Prepayment Penalties<\/li>\n<li>580 middle credit score minimum up to $2m<\/li>\n<li>VA loans can be used to purchase Condo\u2019s, Single Family Homes, Townhomes, PUD&#8217;s, &amp; \u00a02-4 Units<\/li>\n<li>VA Down Payment Assistance available to help cover closing costs<\/li>\n<li>Some First Responder and Education professions may qualify for a partial gift on the assistance<\/li>\n<\/ul>\n<div><strong>VA Loans After Financial Hardship:<\/strong><\/div>\n<ul>\n<li>VA Loans available in as little as 2 yrs after Bankruptcy Discharge<\/li>\n<li>VA Loans available in as little as 2 yrs after Foreclosure<\/li>\n<li>VA Loans available in as little as 2 yrs after Short Sale<\/li>\n<li>Short Sales that had no late Mortgage Payments prior to date of sale may be eligible sooner than 2 yrs.<\/li>\n<li>Available up to $2.0m for qualified Buyers and Borrowers<\/li>\n<\/ul>\n<div><strong>VA Jumbo Loans<\/strong><\/div>\n<ul>\n<li>100% VA Jumbo Purchase Loan up to $2,000,000 in San Diego for 2023 &#8211; Veterans with full VA Entitlement<\/li>\n<li>Zero down payment required up to $2M<\/li>\n<li>The 2023 San Diego County VA Loan Limit &#8211; $977,500 only applies to Veterans with partial VA Entitlement available<\/li>\n<li>Vets with partial VA Entitlement available can still qualify up to $2m, however a down payment will be required<\/li>\n<li>The down payment formula for Veterans with partial VA Entitlement is based on the San Diego VA Loan Limit, the amount of available VA Entitlement and the homes purchase price.<\/li>\n<li>More\u00a0<a href=\"http:\/\/governmentloanpros.com\/san-diego-california\/va-jumbo-loans\/\" target=\"_blank\" rel=\"noopener\">VA Jumbo Loans<\/a>\u00a0info here.<\/li>\n<li>VA Jumbo loans can be used to purchase Condo\u2019s, Single Family Homes, Townhomes, PUD&#8217;s, &amp; \u00a02-4 Units<\/li>\n<\/ul>\n<div><strong>VA IRRRL Streamline Refinance Info for San Diego:<\/strong><\/div>\n<ul>\n<li>San Diego VA IRRRL Streamlines &#8211; available to lower your interest rate without income verification<\/li>\n<li>VA IRRRL Streamline Refinances are available for Non-Owner, Investment, or Rental Homes<\/li>\n<li>Our VA Jumbo IRRRL Streamline Refinances are <strong>not limited to the San Diego County VA Loan Limit for 2023<\/strong>.<\/li>\n<\/ul>\n<p>Check out the\u00a0<a title=\"California VA Loan LImits by County for 2014\" href=\"http:\/\/www.brianskaar.com\/California-VA-loan-limits\" target=\"_blank\" rel=\"noopener noreferrer\">California County VA Loan Limits<\/a><\/p>\n<p>VA Loans do not require mortgage insurance, however the VA requires a funding fee to issue a guarantee to a private lender against future VA borrower default on a mortgage.<\/p>\n<p>The VA Funding Fee can be Financed into the loan (typical) or paid in cash by the buyer or seller.<\/p>\n<p><em><strong>Veterans with a 10% or higher VA Disability Rating are EXEMPT from the VA Funding Fe<\/strong><\/em>e \u2013 please ask to see if you qualify.<\/p>\n<p>VA loans can be used to buy a home, refinance your home, consolidate debts, or just lower your interest rate.<\/p>\n<p>VA Loans require a \u00a0Certificate of Eligibility from the VA. \u00a0which must be obtained to qualify for a\u00a0<a href=\"http:\/\/www.brianskaar.com\/VALoans\">VA loan<\/a>, \u00a0we can assist you with obtaining a Certificate of Eligibility or even a copy of your DD-214, \u00a0Honorable Discharge.<\/p>\n<p>Call us to get started and get Pre-approved for your VA Loan.\u00a0\u00a0 866-900-2342 Toll Free Direct or apply online here: <a href=\"http:\/\/governmentloanpros.com\/san-diego-california\/get-started-here\/\" target=\"_blank\" rel=\"noopener noreferrer\">Online Application<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA Loans are one of the most popular VA Benefits of Military Service used in San Diego.\u00a0 VA Loans require ZERO down payment up to $2m for Veterans with full VA Entitlement available. The $977,500 San Diego county VA Loan Limit for 2023 applies to calculations for Veterans with partial VA Entitlement available.\u00a0 VA Loans [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v22.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>VA Loans - San Diego Government Loan Pros<\/title>\n<meta name=\"description\" content=\"San Diego VA Loan update 2023. Brian Skaar has specialized in VA Loans since 2008, put my experience to work for you. 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