VA Loans in San Diego for Veterans & Active-Duty Service Members
VA loans San Diego veterans use offer powerful benefits for buying or refinancing a home, including zero down options, no monthly mortgage insurance, and flexible VA guidelines — even in competitive coastal markets.
Veterans Mortgage Solutions proudly serves veterans throughout San Diego County, including San Diego, Chula Vista, Oceanside, Carlsbad, Escondido, and surrounding areas.
VA Home Purchase Loans in San Diego (All Credit Welcome)
VA loans San Diego homebuyers rely on are designed to help eligible veterans purchase homes with fewer barriers than conventional financing. Many borrowers qualify with zero down, competitive rates, and flexible credit guidelines.
- Zero down payment options for qualified veterans
- No monthly mortgage insurance
- Flexible credit standards — past credit challenges welcome
- Manual underwriting options available
- Primary residence purchases throughout San Diego County
Learn more about statewide eligibility on our VA loan eligibility and VA loan requirements pages.
VA Refinance Options for San Diego Homeowners
Veterans who already own homes in San Diego can refinance using VA-backed programs designed to lower monthly payments, reduce interest rates, or access home equity.
VA IRRRL (Interest Rate Reduction Refinance Loan)
The VA IRRRL is a streamlined refinance option that allows eligible veterans to lower their interest rate or payment with minimal documentation and no appraisal in many cases.
👉 Learn more here: VA IRRRL Refinance
VA Cash-Out Refinance
A VA cash-out refinance allows San Diego homeowners to tap into equity to consolidate debt, fund home improvements, or cover major expenses.
Serving Veterans Across California
This San Diego VA loan page is part of our statewide lending network. Visit our main hub for full details on VA loans California.
VA Loans San Diego – Frequently Asked Questions
This page is informational and not a commitment to lend. Loan terms vary by borrower and lender guidelines.