VA Loans in Stockton

FREE Mortgage Rate Quote »

If you are serving or have served in our nation’s military, did you know that your VA benefits might qualify your for a zero down home loan in Stockton?

VA mortgages offer phenomenal benefits to qualifying veterans, active-duty service members, and eligible spouses. Along with zero down, they boast affordable rates, no PMI, low closing costs and more.

What is a VA Mortgage?

A VA mortgage is a one product which is insured by the Department of Veterans Affairs (VA). With the government insuring the mortgage, lenders can provide borrowers even without perfect credit with fantastic benefits.

Stockton VA Loan Benefits

If you are eligible for a VA loan in Stockton or elsewhere in California, these advantages make buying a home affordable and easy:

You can move into a new home immediately with zero down payment.

Because there is no down payment required, this may also increase the amount of home you can afford.

Qualifying recipients can look forward to some of the most affordable mortgage rates in Stockton.

Expect closing costs of 1-3% if the seller doesn’t cover them.

You will not pay a funding fee if you are a qualified disabled veteran.

There will be no prepayment penalty if you are able to pay off your home loan in full early.

You do not have to purchase private mortgage insurance (PMI) even with zero down with this type of loan.

Can you only get a VA mortgage to purchase a home?

Not at all. You also can apply for a VA mortgage to build a home, upgrade one or repair one. VA refinance mortgages are available as well.

Do You Qualify for a VA Mortgage in Stockton?

Now that you are familiar with all the advantages that make VA mortgages some of the most affordable home loans around, you probably are trying to figure out whether you might be eligible. Following are the basic requirements.

VA loans are available to veterans, active-duty service members and eligible surviving spouses.

You must meet a minimum service requirement. The length of required duty depends on whether you served during wartime or peacetime, and during what era. With exceptions, 90 days of wartime service or 181 days of continuous peacetime service usually meet the requirements.

All branches of the military can qualify, as can activated members of the National Guard or reserve.

The Following Factors Will Not Stop You from Qualifying for a VA Loan

If you have been foreclosed on or have declared bankruptcy in the past, you may still qualify for a VA mortgage.

If a significant amount of time has passed since your service, this also will not stop you from obtaining a VA mortgage. This is not a benefit which expires. Even if you served decades ago, you can still purchase a home using a VA loan.

Have you used a VA loan to purchase a home before? This will not stand in your way of being approved for another now.

What Our Clients Are Saying

Kristen Frantz
Kristen Frantz
20:58 06 Nov 21
Don was very helpful when I needed to refinance my home. Was very knowledgeable through the whole process!
Ashley Wise
Ashley Wise
17:09 02 Apr 20
Kelly Hasko
Kelly Hasko
20:46 13 Mar 20
22:40 28 Jan 20
My experience with HMLC has been exceptionally good, as a veteran, I would recommend HOME Mortgage Lending Co. knowledge of Veterans benefits and needs is a plus.
Vanessa Medina
Vanessa Medina
17:18 07 Oct 19
I had an AMAZING first-time home buying experience with H.O.M.E Lending! Don Burns and his assistant Paula were a joy to work with and made every step of the way extremely easy and stress free. I... loved that I was kept informed through each step as progress was made, and I felt like my experience was customized, rather than feeling like "just another client." I will definitely be bringing my business back in the future! Still in awe with my home and the treatment I was given!read more
Ashley Acker
Ashley Acker
16:57 04 Oct 19
Don and his team will do everything possible to get you in a home you truly love! They are excellent at prompt communication, and were so kind and patient while we asked a million questions about the... homebuying process. Few things are more stressful than buying your first home, and Don and Paula were so great and made it so easy. Don kept us aware of the rates and made sure to lock in our loan when rates were the best for us. He is an excellent agent, broker, and lender, and has SO much knowledge about every single step of the process! Thanks so much, Don and team!read more
Christy Werner
Christy Werner
16:44 15 Sep 19
Don and his staff at H.O.M.E. Lending went far above and beyond to assist me with a (by no fault of theirs) complicated sale of my home and purchase of a new home. Had it not been for Don and his... staff, I would not be sitting happily in the home of my dreams right now. Don was a wealth of knowledge and a huge support throughout the entire transaction. His staff was professional, pleasant and amazing to work with. I will, without reservation, be recommending H.O.M.E Lending to my friends and family. I am very grateful that I found H.O.M.E. more
Kevin Goehring
Kevin Goehring
19:13 11 Sep 19
I met Don Burns when he represented a buyer for a property I had listed. I was very impressed with Don's communication, professionalism, and attention to detail. In fact, I was so impressed with Don... and the H.O.M.E Lending team that I have referred several of my clients to them for their refinance and purchase money needs. These referrals have all been pleased with the service and low rates. I have been equally as happy with the quick and easy closing and outstanding communication throughout the process. I have found that Don and the H.O.M.E Lending team actually care about their clients and offer a personal touch not found with the big more
Brian Frantz
Brian Frantz
21:21 04 Sep 19
I've found Don to be knowledgeable, always available and felt he really cares for his clients. I highly recommend Don and the H.O.M.E. Lending team!
Shari Cardenas
Shari Cardenas
20:08 20 Aug 19
Don Burns and company, we're all Amazing! Never had hubby and I thought we'd own. Don helped us with plan to pay credit and get a loan! I'm sitting in my new beautiful forever home!!! Thanks guys!

Apply for a Zero Down VA Loan in California Today

Don’t wait any longer to take advantage of your VA loan benefits and purchase the home of your dreams. During your consultation, we will help you determine if you qualify based on your service record. To get started, please call (209) 477-0262 or email

Free Mortgage Rate Quote »