Speak with Joshua Crater Mortgage Expert (949) 278-0766

VA Home Loans offered by Joshua Crater

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

We are one of the very few direct lenders that offers VA Home Loans up to $1,500,000 loan amount in California!

Call Joshua at 949-278-0766 and ask about our VA Home Loans and some of our banks unique benefits.

The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.

Additionally there are services that may be offered to veterans in danger of defaulting on their loans. VA home loans are available to military personal that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.


VA Loans to Purchase or Refinance 

We appreciate the service of all U.S. Veterans, active-duty military, and their families, and are proud to offer them exclusive products with unique benefits. VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women. This federal insurance enables us to offer easier qualifying guidelines and low down payment options.


  • Buy a home with $0 Down Payment
  • Refinance up to 125% of your home's value
  • Great terms on Cash Out Refinance
  • Easier to Qualify  
  • Jumbo VA loan amounts up to $1.5 Million may be available
  • No monthly mortgage insurance
  • VA funding fee waived for Veterans with service related disability
  • Allowed property types include single-family residences, 2-4 unit properties, VA-approved condominiums, manufactured homes, properties in Planned Unit Developments (PUDs)
  • Financing for primary residences, second homes and investment properties may be available


VA Loan Streamline Refinance (IRRRL)

A VA Streamline Refinance, also known as “Interest Rate Reduction Refinance Loan” or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs on your current VA Home Loans. 


  • Lower rate & monthly payments
  • Quick & Easy Process
  • Often No Appraisal Required
  • Refinance an Adjustable-rate mortgage (ARM) to a Fixed-rate
  • Shorten your loan’s term to reduce the amount of interest owed