VA offers the best home purchase loan available on the market today. The VA home loan allows current and former military personnel to purchase a home with NO DOWN PAYMENT required, at very low interest rates on loan amounts up to $625,500 in some high cost areas. The VA home purchase loan advantages are:

• No Down Payment option allows you to purchase with little or no money out of your pocket
• Very low fixed rates and reduced closing costs save you money
• Easier to qualify than other home purchase loan programs
• VA loans are assumable and have no prepayment penalties
• No monthly mortgage insurance payments (PMI) on VA loans help you save money
• You can use your VA Loan Eligibility over and over

If you are a veteran wanting to purchase a home in California then also read about our CalVet loans.

Whether you currently have a VA loan or not, you may be able to borrow up to 100% of your home's value with a VA cashout refinance. VA also offers a streamlined rate reduction program (IRRRL) for current VA loan borrowers to lower their current interest rate with very little paperwork. The VA refinance allows you to:

• Use your home equity for debt consolidation, home improvement or cashout for any purpose
• Lower your rate on your current VA loan with no appraisal required
• Move your current adjustable rate loan into a fixed rate at no cost to you

Apply Now or Call 1-800-734-3772 and one of our VA Loan Specialists can pre-approve you for this incredible home loan program.

Today's VA Rates
Program	Rate	APR
30 Yr Fixed	3.75%	3.785%
15 Yr Fixed	3.25%	3.312%

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Today's CalVet Rates
Program	Rate	APR
QMBF	4.95%	5.074%
QVMBF	5.50%	5.628%
Pre-Ullman	5.95%	6.081%