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Get Pre-Approved Today!

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VA $0 Down Payment Home Loan Program, 100% Financing, Purchase or Refinance for Military Veterans, California

California Public Employee & Teacher Home Loan Program

Did you know that a military veteran with full entitlement can purchase a home up to $636,150 in most HIGH Cost Counties of California with $0 down payment & $0 out of pocket cost with Mountain West Financial? Also, with a minimal down payment you can exceed the county loan limits to secure a VA 1st mortgage up to a maximum loan amount of $950,000.

If you are a current VA loan holder, you can also refinance your existing VA loan and take cash out to 100% of the value of your home to a maximum loan amount of $636,150. The loan proceeds can be used to pay off high interest credit cards, auto loans, home improvement or simply cash out paid directly to you for any purpose.

Other VA Enhancements for 2017

•   The waiting period after a Bankruptcy, Short Sale or Foreclosure has been lowered from 7 years to only 3 years.
•   The 2 month (PITI) reserve requirement has been eliminated.
•   Cash Out is now allowed with a credit score as low as 620.

As a VA Direct Lender, we offer formal home loan Pre-Approval prior to submitting an offer to buy your first (or) next home and we are here to help guide you through the process every step of the way. You may contact us directly at 800-310-7577 to speak with an advisor or Apply Online to begin the loan process.

We look forward to working with you!


Joseph M. Moore   *View Biography
Branch Manager
NMLS ID# 333648