Loan programs · VA
The loan you earned.
VA home loans reward service with $0 down, no monthly mortgage insurance, and a benefit you can use again. Here's how it works for buyers in Orange County.
What is a VA loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and certain surviving spouses. It can offer 0% down and no monthly mortgage insurance — one of the strongest home-loan benefits available. Choice Home Mortgage shops many VA-approved lenders to find your best fit.
The VA loan, explained in 30 seconds.
Earned your VA benefit? Here's the whole idea — quick, clear, and friendly.
A benefit earned through service.
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. That guarantee lets lenders offer terms civilians rarely see — most notably zero down payment and no monthly mortgage insurance. It’s one of the strongest home-loan benefits in the country, and it was earned by your service.
To be clear about who we are: Choice Home Mortgage is not veteran-owned — the VA loan is a program we offer, and one we’re proud to handle well. What we bring is an owner who treats every veteran’s file like it matters, because it does.
Because we’re a broker, not a bank, we don’t steer you to one institution’s VA product. We shop hundreds of VA-approved lenders against each other and bring back the one that fits you. Buying with your VA benefit? That’s usually where the conversation starts — and if you’re a homeowner already, a VA refinance may be on the table too.
Not sure VA is your best path? If you don’t have VA eligibility, an FHA loan is often the next most accessible option — read our full FHA vs VA comparison and we’ll tell you honestly which one fits your file.
What makes a VA loan hard to beat.
$0 down payment
Eligible borrowers can finance up to the full purchase price — no down payment required on a VA loan.
No monthly mortgage insurance
VA loans skip the monthly PMI that conventional and FHA loans carry, which keeps the payment leaner.
Earned by your service
This benefit is for veterans, active-duty service members, and many surviving spouses. We confirm your eligibility up front.
Broker-shopped pricing
Because we're a broker, we put many VA lenders side by side and bring back the one that fits your file.
Reusable benefit
Your VA entitlement isn't one-and-done. Used correctly, it can be restored and used again on a future home.
One expert, start to finish
Owner Esther Buede handles your VA loan personally — no call-center queue, no handoffs.
VA loan questions, answered.
Who is eligible for a VA loan?
VA loans are for eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and many surviving spouses. Eligibility is confirmed with a Certificate of Eligibility (COE) — we help you obtain it as part of getting started.
Do I really need nothing down?
For most eligible borrowers, yes — a VA loan can finance up to the full purchase price with $0 down, which is one of the few true zero-down options left. Your specific terms depend on your entitlement and the property, and we walk you through all of it before you commit.
Is there a VA funding fee?
Yes. Most VA loans include a one-time VA funding fee, which can usually be rolled into the loan rather than paid out of pocket. Some borrowers — including many with a service-connected disability — are exempt. We'll tell you exactly where you stand.
Does a VA loan have monthly mortgage insurance?
No. Unlike FHA and most low-down conventional loans, VA loans carry no monthly mortgage insurance. That's a big part of why the monthly cost can be lower than other programs.
Can I use my VA benefit more than once?
Yes. The VA home loan benefit is reusable. Once a prior VA loan is paid off — or in some cases even while you still hold one — your entitlement can be restored and used again on another primary residence. We'll review your remaining entitlement with you.
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A family-owned Orange County mortgage broker, serving buyers and homeowners across California.
Put your benefit to work.
One call with the owner — no queue, no pressure. We'll confirm your eligibility and tell you honestly whether VA is your best path, or whether another program fits better.