VA Mortgage Loans
VA Mortgage Loans in San Diego: Honoring Our Heroes Through Homeownership
I’m Trevor Sanders, owner of SD-Loans, and it’s an honor to help our active-duty military members, veterans, and surviving spouses buy homes across San Diego County.
VA loans are one of the most powerful benefits of your service—offering no down payment, no PMI, and competitive rates that make homeownership more accessible than ever.
At SD-Loans, we combine VA expertise with local San Diego knowledge to make the process smooth, transparent, and stress-free.
What Are VA Mortgage Loans?
A VA loan is backed by the U.S. Department of Veterans Affairs and available to eligible service members, veterans, and their families.
The VA guarantees part of your loan, allowing lenders like SD-Loans to offer favorable terms, flexible credit requirements, and minimal upfront costs.
Top Benefits of a VA Loan
✅ No Down Payment – Buy your home with $0 down.
✅ No Private Mortgage Insurance (PMI) – Save hundreds each month.
✅ Competitive Rates – Lower rates than most conventional loans.
✅ Flexible Credit Guidelines – More forgiving credit standards.
✅ Limited Closing Costs – The VA caps allowable fees.
✅ Assumable Loans – A qualified buyer can assume your loan if you sell.
Whether you’re stationed at Naval Base San Diego, living near Camp Pendleton, or a veteran settling in Chula Vista or Escondido, we’ll tailor your VA loan to your goals.
Who Qualifies for a VA Loan?
You may be eligible if you meet one of these criteria:
Active-duty service member
Veteran meeting service requirements
National Guard or Reserve member
Eligible surviving spouse
If you’re unsure, we’ll help you verify eligibility and obtain your Certificate of Eligibility (COE) fast.
Our 6-Step VA Loan Process
Initial Consultation – Discuss your goals and eligibility.
Obtain COE – We help you secure your Certificate of Eligibility.
Pre-Approval – Get pre-approved with your verified benefits.
Find Your Home – Shop confidently knowing your loan is ready.
Underwriting & Approval – We handle every VA guideline detail.
Closing & Keys – Sign, fund, and celebrate your new home.
Why Work with SD-Loans for Your VA Mortgage
Local Expertise: We know the San Diego housing market, VA guidelines, and local appraisers who specialize in VA loans.
Veteran Commitment: We’re proud to serve those who’ve served us.
Transparent Process: No hidden fees. No confusion. Just clarity.
Fast Approvals: We prioritize military borrowers to help you close on time, every time.
Common Questions About VA Loans
Do VA loans have a limit?
Not anymore—there’s no set cap, though lenders may impose their own limits based on your profile.
Can I use my VA loan benefit more than once?
Yes. You can reuse your VA entitlement multiple times, as long as prior VA loans are paid off or entitlement is restored.
Are there any fees?
There’s a one-time VA funding fee (which can be rolled into the loan). Some borrowers—like disabled veterans—are exempt.
Serving Those Who Serve
At SD-Loans, we believe every veteran deserves a clear path to homeownership.
We proudly help San Diego’s military community—from Coronado to Carlsbad—buy and refinance homes with confidence.
Call / text (619) 855-5061
[email protected]
or Schedule Your Call
VA Loan FAQs
Tap a question below to learn more about VA home loans in San Diego.
No down payment is required for most eligible borrowers. You can finance 100% of your home’s value.
Yes. Once your previous VA loan is paid off or entitlement is restored, you can use the benefit again.
No PMI is required on VA loans, saving you hundreds each month compared to conventional financing.
Yes. You can refinance using a VA IRRRL or cash-out refinance to lower your rate or access equity.
Let's Talk Homes!
30-minute Phone Call
Hi! I'm excited to connect with you and discuss your home financing needs.
During this free consultation, we'll explore your unique situation and find the best loan solution for you.
Let's make your homeownership journey a success!