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Mortgage Broker Oakhurst CA | Home Loans | Granite West Funding

If you are looking for a competitive loan for home purchase, refinance or construction in Oakhurst or anywhere in the state of California, Granite West Funding can connect you with a loan suitable for your needs.

Call Us Today! 559-540-2275

VA Loans
in Oakhurst, CA

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Did you know that your veteran status may qualify you for a VA mortgage with zero down payment and other special benefits? Over 22 million borrowers have purchased homes quickly and affordably using VA loans, yet many eligible homebuyers remain unaware of them. We want to make sure that if you are eligible for a VA mortgage, you do not miss out on this great opportunity.

What is a VA Mortgage?

A VA mortgage is a home loan which is insured by the US Department of Veterans Affairs (VA). This insurance reduces the risk of extending the loan, which means that borrowers qualify for more competitive terms and rates.

Benefits of VA Loans in California

If you are eligible for a VA mortgage in Oakhurst or elsewhere in California, these are the advantages you can expect:

Move into a home right away with no down payment.

Unlike with an FHA loan, you will not need to pay for private mortgage insurance (PMI).

VA mortgages feature affordable interest rates even with zero down.

You do not need ideal credit to qualify for a VA mortgage.

It is common for the seller to agree to cover the closing costs on a VA home loan. If you do have to pay closing costs, they will have an affordable upper limit.

If you are a qualified disabled veteran, you may not need to pay a funding fee.

No prepayment penalties apply to VA mortgages. You can pay off your loan early if you want.

If you need a mortgage to finance construction, repair store upgrades, you can use a VA loan for that purpose as well as home purchase. It is also possible to refinance your home with a VA mortgage.

Are You Eligible for a CA VA Mortgage?

In order to qualify for a VA loan, you need to have completed the service requirement for the era during which you were active. In the majority of cases, 90 days of wartime service or 181 days of consecutive peacetime service fills this requirement.

The following can all qualify for a VA mortgage:

Veterans

Active duty service members

Eligible surviving spouses

Every military branch is eligible along with the Reserve and National Guard.

There is no restriction on how many times you can use VA mortgage benefits, nor do they expire after a period of time. A foreclosure or bankruptcy also will not automatically disqualify you from a VA loan.

Apply Now for a VA Loan in California

It is time to move affordably into your dream home in Oakhurst or elsewhere in California with a zero down VA mortgage. To find out if you qualify today, please call 559-540-2275 for your free consultation.

Get Pre-Approved Today!