San Diego, California • VA Home Loans
San Diego VA Loans for Veterans & Military Families
Local guidance, competitive pricing, and fast pre-approvals. With full entitlement, many VA buyers can put $0 down and pay no monthly PMI.
NMLS #213875 • Equal Housing Lender
Why VA in San Diego?
From Mira Mesa and Clairemont to Chula Vista, El Cajon, and Oceanside, we help San Diego-area Veterans compare neighborhoods, payments, and timelines—then close on time.
- $0 down with full entitlement
- No monthly PMI
- Flexible credit paths (manual underwrite when allowed)
Local guidance that works
We focus on your whole profile—residual income, rent history, and stability—not just a score. If AUS returns “refer,” we package a strong manual-underwrite case.
Fresh Start for Veterans →Know your options
- VA Purchase (primary residence)
- IRRRL (VA Streamline Refi)
- VA Cash-Out (debt consolidate, projects)
San Diego market & buying tips
- PCS moves & timing: We coordinate timelines with base reporting dates and temporary lodging.
- BAH awareness: We’ll help you understand Basic Allowance for Housing and how it fits your budget.
- Competitive offers: We provide strong pre-approval letters and can communicate with your agent/seller’s agent.
- Popular areas: Mira Mesa • Serra Mesa • Clairemont • Chula Vista • Santee • La Mesa • Oceanside • Carlsbad • Escondido • El Cajon.
San Diego Veterans we’ve helped
“Zero-down and a clear plan. They knew the San Diego market and made it smooth.”
E. Garcia • Chula Vista, CA
“AUS said refer. They built a strong manual-underwrite package and got it done.”
Jay • Mira Mesa, CA
“Great communication and a payment we were comfortable with.”
Tim • Oceanside, CA
Disclosures:
Program availability and terms depend on credit, income, assets, property and market conditions. Underwriting approval required. Not a commitment to lend. Equal Housing Lender. NMLS #213875.