Honor your service with a VA loan - one of the most powerful home financing benefits available to veterans. At Convoy Home Loans, we proudly help veterans, active-duty service members, and eligible surviving spouses in San Diego, El Segundo, and across California secure exceptional VA-backed financing with competitive rates and personalized support.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). Qualified lenders issue the loans, and the VA guarantees a portion of the loan, reducing the lender's risk and allowing for more favorable terms for eligible borrowers.
The VA loan program was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
"A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry)."
Purchase a home with little to no money down.
Significant monthly savings compared to conventional loans.
Often among the lowest available.
More lenient than conventional loans.
Borrow up to the full purchase price in conforming areas.
Can often be rolled into the loan or waived for certain service-connected disabilities or eligible veterans.
VA loans are an outstanding benefit earned through military service, and we're here to help you maximize it.
FHA loans are especially powerful in high-cost markets like San Diego where saving for a large down payment can take years.
A one-time fee (typically 1.25%-3.3%) that can be financed into the loan.
Must have a Certificate of Eligibility (COE) and meet service requirements.
Must be used as your primary residence.
Property must meet VA Minimum Property Requirements.
Partial or full entitlement used on the current loan may limit future VA loans.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
VA loans are perfect for:
✓ Veterans with honorable service
✓ Active-duty military personnel
✓ National Guard and Reserve members with qualifying service
✓ Surviving spouses of veterans (who have not remarried)
✓ First-time and repeat buyers who want to leverage their earned benefits
✓ Military families relocating to the San Diego area
✓ Buyers seeking maximum affordability with minimal out-of-pocket costs
We help you request your Certificate of Eligibility quickly.
We review your income, credit, and service history to determine your VA buying power.
Shop with confidence knowing you can buy with 0% down.
Ensures the property meets VA standards and is valued appropriately.
Close with low or no down payment and move into your new home.
Enjoy no PMI and lower monthly payments while building equity.
We specialize in making the VA loan process smooth and stress-free for our military clients.
Loan Type | Down Payment | Mortgage Insurance | Interest Rates | Best For |
|---|---|---|---|---|
VA Loan | 0% | None | Excellent | Eligible veterans & service members |
FHA Loan | 3.5% | Yes (MIP) | Very Good | Lower credit & first-time buyers |
Conventional | 3-20% | PMI (removable) | Good | Strong credit & larger down payments |
USDA Loan | 0% | Yes | Good | Rural property buyers |
As a nationally licensed mortgage broker (NMLS #2130517) with offices in San Diego and El Segundo, we have extensive experience with VA loans and strong relationships with VA-approved lenders. Our mission is simple: provide financing options that enhance your standard of living while treating you like family.
We understand the unique needs of military families and are committed to honoring your service with fast, respectful, and expert guidance.
Ready to use your VA benefit and buy your dream home in San Diego? Get pre-approved for a VA loan today - no obligation.
Veterans, active-duty service members, certain National Guard/Reserve members, and eligible surviving spouses may qualify.
Yes - 100% financing is available for eligible borrowers with full entitlement.
No county loan limits for VA loans in most cases, allowing you to finance the full purchase price.
It can often be financed into the loan. The fee may be waived for veterans with service-connected disabilities.
Yes - you can reuse your VA entitlement if you've paid off a previous VA loan or meet restoration requirements.
Yes - we are licensed in many states and proudly serve eligible military families nationwide where permitted.
Real Estate Investor Lending · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.
A 30-year fixed-rate mortgage is the most popular home loan in America. It features a constant interest rate and unchanging monthly principal-and-interest payments over the full 30-year (360-month) term.
Your rate is set at closing and never changes - even if market rates rise or fall. This predictability makes budgeting straightforward for decades.
At Convoy Home Loans, we shop multiple lenders to find you the best fixed rate available for your situation.
For buyers planning shorter stays, we often recommend exploring our adjustable-rate mortgage options instead.
This loan suits:
We guide you through every step with transparent communication.
| Loan Type | Monthly Payment | Interest Rate Stability | Best For | Total Interest |
|---|---|---|---|---|
| 30-Year Fixed | Lower | Fixed entire term | Long-term homeowners | Higher |
| 15-Year Fixed | Higher | Fixed entire term | Faster payoff | Lower |
| Adjustable-Rate (ARM) | Varies | Changes after intro | Short-term stays | Varies |
As a nationally licensed mortgage broker (NMLS #2130517), we offer access to a wide range of programs with competitive rates. Our mission is simple: provide financing options that enhance your standard of living while treating you like family.
Clients love our fast closings, personalized advice, and ability to beat big-bank offers.
Ready to get started? Speak with a loan officer today - no obligation.
Convoy Home Loans · NMLS #2130517 · Licensed Mortgage Broker
AZ · CA · CO · FL · GA · ID · MD · MI · MN · NC · NM · OH · OR · PA · TN · TX · VA · WA and more
This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender.