VA Approved Homes & Loans in San Diego
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VA Approved Homes & Loans in San Diego


  • Full 30 year fixed loan

  • No mortgage insurance because of the guarantee from the federal government to the bank

  • Zero down payment for loans in San Diego County up to $518,750

  • Loan amounts up to 1,500,000 with a down payment

  • The seller or lender can pay all the closing cost

  • The VA will allow liberal qualifying ratios to 55% of your income

  • No pre-payment

  • Liberal credit requirements with a minimum Fico credit score of only 600

The First Step of the Process

    Before looking at homes we recommend that you get prequalified for your home purchase. After taking the time to complete this process you will know what your monthly payment will be and how much the bank will lend you based on your income and credit profile. The lender will pull a credit report for you and ask for two current pay stubs or one LES, two years W2s, two months of bank statements, and if you currently are not in the military, a copy of your DD214. 

Search the MLS

                                      For free, no cost preapproval by a major bank

Connie Umbarger SFR 619-933-9594 License 01335770
Tony Flores SFR 619- 813-7751 License 01307791
Real Estate Team 
Short Sale and REO Certified
Century 21 Award
1530 Hilton Head Rd. Suite 201
El Cajon, Ca 92019

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