Thanks to the GI Bill, qualified veterans from California are guaranteed to get mortgages with no-money down ? and federally insured ? through California VA Home Loan Programs. To get access to the programs, you just need to get an assist from a helpful and knowledgeable California VA Mortgage lender.

What are the possibilities under the California VA Home Loan Programs?

Through the California VA home loan programs, it's possible for veterans to buy many, many types of homes through a California VA Mortgage lender, such as Access National Mortgage. There is one important provision that has to be met in order to get one of these loans that the home being purchased has to be occupied by the veteran who is buying.

If the home meets this qualification, then the list of homes available through the California VA Home Loan programs opens up. The California VA home loan programs can be used to purchase single-family homes, townhouses or condo units, manufactured homes or lots (assuming certain standards), and farm property (if the home is a primary residence). The California VA home loan programs can also be used to build a new home, improve existing homes, make existing homes more energy efficient or to refinance a home.

Where to get access to your California VA Home Loan Programs

Many veterans are under the incorrect impression that their qualification for a VA loan with a California VA mortgage lender is automatic. Access to the loan is a right for all qualified veterans, but getting a loan is not automatic.

Veterans must still meet certain qualifications for a loan through a California VA mortgage lender. These rules are set by the Veteran's Administration. In order to get one of these VA loans, the veteran needs to have a good credit rating; income to support the loan and a Certificate of Eligibility from the VA, which proves their qualified service.

A Certificate of Eligibility can be obtained by working with an approved California VA lender, through the online Automated Certificate of Eligibility or through the mail by using VA Form 22-1880.

Once a veteran has a Certificate, a California VA mortgage lender can begin to put together a loan and find out the eligibility of a veteran. That veteran will need to apply for a loan through the California VA mortgage lender, just like a typical borrower. After that, the California VA mortgage lender will work to find out which of the California VA home loan programs work the best and what terms the California VA mortgage lender can secure.

California VA home loan programs are a great benefit from vets. Secured California VA home loan programs enable veterans to get into homes with little money down and better properties, thanks to generous down-payment allowances. Finding the right kind of California VA home loan programs with good terms and payments is the job of a California VA mortgage lender, as qualified veterans can find out.