California VA Loans - VanDyk Mortgage - California VA Lender.  VanDyk Mortgage is your source for VA Loans in California.   We have been making VA and VA Jumbo loans since 1987.  VanDyk Mortgage is a Direct Lender.  We offer many loan programs for California Homebuyers and California Homeowners to Purchase and refinance homes.

  • VA Purchase
  • VA Refinance
  • VA Jumbo Loans
  • VA IRRRL Streamline Refinance

California VA Loans are available up to $2m with zero down payment with no down payment required for qualified Veterans with full VA Entitlement available (i.e. no current VA Loan or past VA Loans that resulted in a charge to entitlement).  For Veterans without full VA Loan Entitlement available, we calculate the remaining entitlement available by subtracting the entitlement charged to prior VA Loans from the County loan limit.   An example might be:  a Veteran either still owns a home purchased with a VA Loan, or still owns the home and still has the VA loan with an original balance of $300K.  This would result in a $75K charge against entitlement until that home is sold. Veteran wants to purchase a home in Fresno county for $400K.   We start by calculating 25% of the County VA loan limit of $647,200 this gives us $161,800.  Since there is still entitlement of $75K charged to the first home, we reduce the available entitlement for the county of $161,800 by $75,000 for the Entitlement charged to the previous home and come up with $86,800 of Entitlement available.  The maximum zero down VA loan will be 4 times this figure giving us $347,200.  So the Veteran in this case is not required to put a down payment on another VA home loan for a $347k home, however they want to purchase a $400K home.  To achieve the required VA guaranty, the Veteran will have to put down 25% of the difference between $347,200 and $400k.  $52,800 times 25% = $13,200.  This is the minimum down payment for this scenario.

California VA Loans are available up to $2M with ZERO down payment required for qualified Vets in many parts of the SF Bay area, and up to $2m in Los Angeles and Orange Counties.  The California VA Loan Limit in 2022 is up to $970,800 in the highest cost counites.    However, Veterans are not limited to their specific county VA loan limit in California for VA Loans. We also offer VA Jumbo Loans up to $2.0 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is an article on how you can get a VanDyk Mortgage VA Loan over your county limit.

California VA Home Loan information

VA Home Loans in California:

  • Active-Duty Military and Veterans can both qualify
  • 100% financing up to $2m for qualified Veterans with full entitlement
  • If you have a current VA loan (aka a charge against entitlement, you may still qualify for another VA Loan up to $2m, call us. 
  • VA Loans require ZERO Mortgage Insurance
  • VA Loans do require a VAFF (VA Funding Fee), which is usually financed
  • Veterans with a 10% or higher VA disability rating pay ZERO VA Funding fee
  • Sellers can pay up to 4% of the VA Buyers closing costs

Go with the Government Loan Pros, go with VanDyk. Visit us at or call Brian Skaar at 866-900-2342 for help with your VA or VA Jumbo loan. 

VanDyk Mortgage is a Direct Lender (since 1987) specializing in VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Jumbo, VA Jumbo Purchase, VA Jumbo Refinance, VA Jumbo IRRRL.   As a Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie Direct Lender specializing in FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Bookmark us at to get started or just find out more.