VA Loans
in Oakhurst, CA

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Did you know that your veteran status may qualify you for a VA mortgage with zero down payment and other special benefits? Over 22 million borrowers have purchased homes quickly and affordably using VA loans, yet many eligible homebuyers remain unaware of them. We want to make sure that if you are eligible for a VA mortgage, you do not miss out on this great opportunity.

What is a VA Mortgage?

A VA mortgage is a home loan which is insured by the US Department of Veterans Affairs (VA). This insurance reduces the risk of extending the loan, which means that borrowers qualify for more competitive terms and rates.

Benefits of VA Loans in California

If you are eligible for a VA mortgage in Oakhurst or elsewhere in California, these are the advantages you can expect:

Move into a home right away with no down payment.

Unlike with an FHA loan, you will not need to pay for private mortgage insurance (PMI).

VA mortgages feature affordable interest rates even with zero down.

You do not need ideal credit to qualify for a VA mortgage.

It is common for the seller to agree to cover the closing costs on a VA home loan. If you do have to pay closing costs, they will have an affordable upper limit.

If you are a qualified disabled veteran, you may not need to pay a funding fee.

No prepayment penalties apply to VA mortgages. You can pay off your loan early if you want.

If you need a mortgage to finance construction, repair store upgrades, you can use a VA loan for that purpose as well as home purchase. It is also possible to refinance your home with a VA mortgage.

Are You Eligible for a CA VA Mortgage?

In order to qualify for a VA loan, you need to have completed the service requirement for the era during which you were active. In the majority of cases, 90 days of wartime service or 181 days of consecutive peacetime service fills this requirement.

The following can all qualify for a VA mortgage:

Veterans

Active duty service members

Eligible surviving spouses

Every military branch is eligible along with the Reserve and National Guard.

There is no restriction on how many times you can use VA mortgage benefits, nor do they expire after a period of time. A foreclosure or bankruptcy also will not automatically disqualify you from a VA loan.

Apply Now for a VA Loan in California

It is time to move affordably into your dream home in Oakhurst or elsewhere in California with a zero down VA mortgage. To find out if you qualify today, please call 559-540-2275 for your free consultation.

Get Pre-Approved Today!

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Granite West Funding, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

Melissa De Graaff

21:27 17 Oct 24

We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!

Krissi O

13:52 08 Jul 24

Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!

Tammi Chumney

17:22 14 Feb 23

My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!

Sherry Andersen

01:02 10 Feb 23

We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!

Melissa McGregor

15:23 18 Nov 19

We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!

VA Loansin Oakhurst, CA