California VA Mortgage Lender
Thank you for selecting Box Home Loans, the premier California VA Mortgage Lender, where we thrive at offering VA Home Mortgages in California. We are committed to providing competitive California VA Mortgage Rates to veterans who want to purchase or refinance, while ensuring that our customers receive outstanding customer service.
We sincerely appreciate your service and the opportunity to assist you with your California VA Home Loan. As a California VA Mortgage Lender with expertise in VA Home Loans in California, we fully recognize the importance of leveraging your California VA Home Mortgage benefit when purchasing or refinancing a property. We are here to assist you throughout the entire VA loan application process, regardless of whether you have previously utilized your benefits or if this is your initial use. At Box Home Loans our California VA loan officers are committed to delivering a seamless and efficient experience, ensuring a quick and stress-free closing process.
Box Home Loans is highly skilled in managing all aspects of the application process as a direct lender for California VA Mortgages. Our streamlined internal processes and efficient underwriting allow us to make prompt, informed decisions and ensure that closings occur as planned. We manage the entire loan process, from application to funding.
Are you ready to get started? When you reach out to us, a highly experienced California VA Mortgage Specialist will be there to guide you through the pre-qualification, loan approval, and application processes. Reach out to our helpline at (833) 838-5626 to begin the process, get answers to your questions regarding California VA Home Loans or discuss California VA Mortgage Rates.
California VA Home Loans
VA Home Loans in California are available to honorably discharged, retired, disabled, and surviving spouses in addition to active duty and active reservists personnel. California offers various programs and benefits specifically tailored to support veterans in purchasing homes. These programs aim to provide veterans with access to affordable housing options, down payment assistance, and favorable financing terms.
CalVet Home Loans: The California Department of Veterans Affairs (CalVet) offers home loans to eligible veterans, active-duty service members, and qualifying spouses. CalVet Home Loans provide competitive interest rates, low or no down payment options, and flexible credit requirements. Veterans can finance the purchase of a home, condominium, or manufactured home, as well as make energy-efficient improvements through the CalVet Energy Efficient Mortgage (EEM) program.
CalVet Veterans Farm and Home Purchase Program: This program offers additional benefits to veterans who are first-time home buyers and plan to purchase homes located on agricultural properties. Eligible veterans may receive reduced interest rates and lower fees when financing the purchase of a farm or ranch property through CalVet.
VA Home Loan Guaranty Program: While not specific to California, the federal Department of Veterans Affairs (VA) offers VA home loans to eligible veterans, service members, and surviving spouses. VA home loans provide several benefits, including no down payment, competitive interest rates, no private mortgage insurance (PMI) requirement, and flexible credit requirements. Veterans can use VA loans to purchase, refinance, or build homes in California or anywhere in the United States.
Homeownership Assistance Programs: California offers various homeownership assistance programs that may benefit veterans, including down payment assistance, mortgage credit certificates, and homeownership counseling services. These programs are available through local housing authorities, nonprofit organizations, and government agencies to help veterans achieve homeownership and navigate the home buying process successfully.
Property Tax Exemptions: California provides property tax exemptions for eligible veterans, disabled veterans, and their surviving spouses. These exemptions may apply to a portion of the assessed value of a veteran’s primary residence, reducing the property tax burden for qualifying veterans.
CalHFA VA Loan Program: The California Housing Finance Agency (CalHFA) offers VA loan programs that provide down payment assistance and other financial incentives to eligible veterans purchasing homes in California. CalHFA works with participating lenders to offer VA loans with competitive terms and additional benefits for veterans.
These are some of the veteran-specific home buyer programs available in California. Eligibility criteria, benefits, and application processes may vary for each program, so veterans are encouraged to explore all available options and consult with program administrators or an approved California VA Mortgage Lender to determine the best home financing solution for their needs.
The Department of Veterans Affairs (ADVA) in California offers veterans financial literacy training, homeownership information, and mortgage aid programs. Veterans can get support and services to help them successfully navigate the home-buying process.
Why California Veterans Are Choosing Box Home Loans
Close On Time with True Approval
Control Application to Funding
Great Rates / Low Fees
Direct VA Mortgage Lender
Exceptional Customer Service
Application to Final Payment
California VA Mortgage Rates
Have you ever wondered why interests rates are what they are and what determines the final rate? Why borrowers receive different interest rates? Or why rates go up and down? Interest Rates are calculated using several factors.
- Demand for Securities
- Property securing the Loan
- occupancy of the property
- Loan to value of the property
- Borrower’s credit Rating
California VA Purchase Home Mortgage
Box Home Loans is proud to serve California Veterans in obtaining home ownership in California. The benefits of an California VA Home Loan Purchase are many. Contact one of our California VA Loan Officer to discuss all the benefits and options. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses achieve their dream of home ownership.
- No Down Payment / No Loan Limits
- No Monthly Mortgage Insurance Required
- Simple Qualifying/ Flexible Underwriting
- Seller Paid Closing Costs up to 4%
- Higher Debt to Income Ratios Allowed
- Alternate Credit Allowed
- Manufactured Housing Permitted
California VA Streamline Refinance Mortgage
Box Home Loans is proud to serve California Veterans in reducing their mortgage payment through a California VA Streamline Refinance Mortgage AKA California “IRRRL” VA Home Loan. Contact our California VA Loan Officers to discuss how to lower your California VA Mortgage Rate. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Streamline Refinance
- Rate and Term Only
- No Appraisal / No Income Verification
- Must Have Made a Min 7 Mortgage Payments
- Closing Costs Can Be Rolled Into the New Loan
- Must Provide a Benefit
- Lower Payment, Shorten Term, Arm Conversion
California VA Cash-Out Conversion Mortgage
Box Home Loans is proud to serve California Veterans in converting their current mortgage program over to an California VA Home Mortgage and enjoy the many benefits of the California VA home loan. Contact our California VA Loan Officers to discuss how simple it is to do the conversion. Thank you again for you service!
Proudly serving active duty service members, active reservists, honorably discharged service members, as well as retired, disabled service members and surviving spouses reduce their mortgage payments.
- Rate & Term or Cash-Out
- Documented Refinance
- Appraisal Required
- Income Required
- Closing Costs Can Be Rolled Into Loan
- Must Provide Benefit
- Lower Payment, Shorten Term, Arm Conversion
The California VA Home Loan can be used for a home purchase, a streamline interest rate reduction refinance, or a cash-out refinance or mortgage conversion from another type of mortgage to a California VA Home Mortgage. To be eligible for a California VA Home Loan you must meet one of the following criteria.
Use of the VA Mortgage Benefits Require One of the following:
- Active Duty – 90 days Wartime / 180 Days Peacetime
- Honorable Discharged – 22 Months of Completed Service
- National Guard / Reserves – 6 Years of Completed Service
- Spouse of a Service Member who Died in the line of Duty
- Spouse of a Service Member as a result of Service Related Disability
“Veterans Administration” (VA) is the organization in charge of managing all benefits for veterans, including home loans. A component of the GI Bill or Rights, it was founded in 1944. The goal of VA was to enable veterans, both male and female, become financially secure and up to speed with their civilian counterparts by creating credit.
It’s important to realize that the VA does not provide loans; rather, it offers lenders guarantees that protect them against loss in the case of foreclosures. To put it simply, VA allows for a 0% down payment by insuring a portion of the loan that the buyer would have otherwise needed to put down in order to qualify. Each borrower of a VA loan is required to pay an upfront mortgage insurance charge, which can be incorporated into the loan. The guarantee fund is maintained by these fees, which also enables the 100% VA home loan. Veterans are not required to pay the financing fee if their handicap is at least 10%.
California VA Mortgage Reviews
California VA Mortgage Team
California Military Presence
California holds immense military significance due to several factors. The first of which is the presence of Major Military Installations. California hosts numerous major military installations across all branches of the U.S. Armed Forces.
Naval Base San Diego: One of the largest naval bases on the West Coast, homeport to several aircraft carriers, submarines, and a multitude of surface ships.
Marine Corps Base Camp Pendleton: The largest Marine Corps base on the West Coast, covering over 125,000 acres and supporting training, operations, and deployments for Marines and other military units.
Edwards Air Force Base: A key center for flight testing, research, and development of aerospace technologies, including experimental aircraft and space vehicles.
Vandenberg Space Force Base: A vital launch and landing site for military and civilian space missions, including satellite launches, missile tests, and space exploration missions.
Travis Air Force Base: A major air mobility hub and logistics center, providing airlift and aerial refueling support for global military operations.
Naval Air Weapons Station China Lake: A key testing and research facility for naval weapons and munitions, including missile systems and explosives.
Secondly is California’s geographic location on the West Coast of the United States gives it strategic importance for defense and national security. Its extensive coastline, international ports, and proximity to the Pacific Ocean make it a critical gateway for maritime operations and power projection in the Indo-Pacific region.
Third is its being an Economic and Technological Hub. California is a leading center for defense industry innovation, research, and development. It hosts numerous defense contractors, technology companies, research institutions, and academic centers engaged in cutting-edge defense technologies, including aerospace, cybersecurity, artificial intelligence, and advanced manufacturing.
Training and Readiness. California’s diverse terrain, climate, and airspace provide ideal conditions for military training and readiness activities. Military units conduct realistic training exercises, including live-fire drills, amphibious landings, urban warfare training, and joint and multinational exercises, enhancing their preparedness for combat and humanitarian missions.
California plays a critical role in homeland defense and security, particularly in countering threats such as terrorism, transnational organized crime, and illegal immigration. Military installations, National Guard units, and federal agencies collaborate with state and local authorities to safeguard California’s borders, critical infrastructure, and population centers.
California’s military assets and personnel are often called upon to support humanitarian assistance and disaster response efforts, both domestically and internationally. Military units provide search and rescue operations, medical assistance, logistical support, and disaster relief services during natural disasters, such as wildfires, earthquakes, and hurricanes.
Overall, California’s military significance stems from its strategic location, extensive military infrastructure, economic contributions to defense innovation, and contributions to national security, defense readiness, and humanitarian missions.