Home Loans

Veterans, Get the Best Loan Value in California: Cal-Vet Home Loans. If you are a veteran living in California, and want the best home loan on the market, then you need a Cal-Vet Home Loan. You'll find the Cal-Vet Loan loaded with money-saving features that help you keep your cash in your pocket and build equity fast. You won't find many of these features anywhere else.

You and your family will benefit from these great loans from day one!

Just look at these great benefits:

Veterans Services - Home Loans

Expanded Eligibility
Free Pre-qualification
Loans up to $250,000
No Loan Origination Fee
Only 5% down
Reusable Loans

Expanded Eligibility	Expanded Eligibility If you haven't looked into a Cal-Vet loan lately, eligibility has been expanded. Veterans meeting the following criteria are eligible: Applicants must have an honorable discharge, or if on active duty, must provide a Statement of Service verifying their active duty dates and character of service. Applicants must have served at least 90 days on active duty, unless they: were discharged earlier because of a service-connected disability; or received, or are eligible to receive, a campaign or expeditionary medal authorized by the U.S. Government; or were called to active duty from the Reserve or National Guard due to a Presidential Executive Order during a time when the United States was engaged in a military conflict. Note: Service solely for training does not qualify. Unless the applicant has a qualifying campaign or expeditionary medal, at least one day of active service must have been during one of the following qualifying "war" periods: Persian Gulf War: 8/2/90 - still open Vietnam Era: 8/5/64 - 5/7/75 Korean Period: 6/27/50 - 1/31/55 World War II: 12/7/41 - 12/31/46 An un-remarried surviving spouse of an eligible veteran may be eligible for a Cal-Vet loan if the veteran: died after filing an application for a Cal-Vet Loan, or died from injuries incurred in the line of duty, while on active duty, or is being held as a prisoner of war or has been designated by the armed forces as missing in action.
Free Pre-qualification	Free Pre-qualification Use your Cal-Vet Loan and you'll get pre-qualified for free.
Loans up to $250,000	Loans up to $250,000 It's tough to find the "right" home under $250,000 in many California markets. Many traditional loan programs have loan limits much lower than Cal-Vet. This makes a combination loan, and all the extra paperwork and headaches, a necessity. You'll enjoy the ease with which you can obtain the right loan amount on your property, up to $250,000 if you qualify, in one easy package from Cal-Vet.
No Loan Origination Fee	No Loan Origination Fee Cal-Vet Loans do not have points or origination fees. Normally loan origination fees can cost from one to five percent or your loan amount, in addition to your down payment funds. With Cal-Vet, all your dollars become part of your investment in equity, instead of going to high, one-time fees charged by traditional lenders.
Only 5% down	Only 5% down If you qualify for the loan amount, you'll invest as little as 5% of the purchase price as a down payment.
Reusable Loans	Reusable Loans If you've already had one Cal-Vet Loan and think you don't qualify again, then you will be happy to learn that new program changes now allow you to use Cal-Vet over and over again. Before you obtain a loan from a traditional mortgage company, check with Cal-Vet to see if you meet the current qualifications for a subsequent loan.

Updated October 31, 2025