With a VA loan, you can move into an Orange County home with zero down. Below, you can view a full list of benefits.

Pay zero down on your new home. Loan limits in Los Angeles and Orange County are $726,525.

Take advantage of some of the lowest interest rates around.

The seller may pay the closing costs. If not, you can expect them to range between 1-3%. Be sure to also ask us about our OC Buyer Program during your consultation. We may be able to credit you those costs.

One of the biggest advantages of VA is that even though you are not making a down payment, you do not have to pay mortgage insurance. This will save you hundreds of dollars per month.

Veterans and service members who have become disabled during duty may have the funding fee waived.

You can pay off your VA loan early without a penalty.

The low risk profile of a VA-insured loan enhances your bargaining power.

You can qualify for a VA loan and all the amazing benefits which come with it even if you do not have a perfect credit score.

You may buy a home, construct one, improve a home or refinance with a VA loan.

Do You Qualify for a VA Loan in Orange County?

How do you know if you are eligible to claim VA loan benefits?

First, you need to be serving or have served in any of the following capacities:

A veteran

An active-duty military service member

A member of the Reserve or National Guard (activated only)

An eligible surviving spouse

Next, you must meet the requirement for your service term. Depending on whether you were active duty during wartime or peacetime, you must have served a minimum number of days in order to be eligible.

The exact amount of days is also contingent upon the era during which you performed your service.

To give you a general idea, the minimum required active duty wartime service during most eras is 90 days. The minimum required active duty peacetime service during most eras is 181 days.

During your consultation, we can look up the relevant requirement which applies to the time period during which you served.

What if this is not the first time you have used a VA loan? This will not stop you from taking out a new one. These benefits are yours to use time and again. They do not expire, and there are no restrictions on how many times you can claim them.

Additionally, if you’re concerned that a bankruptcy or foreclosure in your financial history could stand in your way, you will be relieved to know that these also will not prevent you from qualifying for a VA loan now.

VA Loans

What Our Happy Clients Are Saying

Grand Lending Team

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Maz Rostamian

17:05 18 Oct 24

Brian and Nichole are highly skilled professionals with a proven track record in the mortgage industry. Their expertise and problem-solving abilities have consistently helped us in securing purchase and refinance loan transactions. They are exceptionally responsive, professional, and knowledgeable. We wholeheartedly recommend them for both purchase and refinance loans.

Roxana Amini

19:13 02 Oct 24

There’s a reason Brian and Nichole of Grand Lending have 5-star reviews across the board. I’d give them 100 stars if I could.I reached out to them on a Sunday afternoon to simply inquire about Loan options. I did not expect them to respond immediately. Within 1 hour, they assessed my information and provided a pre-qualification letter.Over the next several months, I made numerous offers and needed revised pre-qual letters. I’m convinced Brian and Nichole do not sleep because no matter what time of day, they delivered. They were committed to supporting me, with no financial incentive, until I found "the one."I ultimately found "the one" and thanks to Grand Lending, I was able to purchase it and pay LESS per month as a homeowner than I did as a renter...while in a fire zone!Not only did Grand Lending lock in an incredible interest rate (with money back), Brian went out of his way to obtain the HOA insurance documents because escrow was stalling. He also helped me get a Homeowner Insurance policy at a rate that I didn't even think was possible. Even my broker said, lenders normally don't go the extra mile like this.Finding Brian and Nichole is one of the best decisions I've made. Thank you both, from the bottom of my heart.Bumpy the rabbit also thanks you for her new yard.

Ghooye Sefid

23:46 04 Sep 24

Nichole and Brian are the absolute best and most professional in the business!They made our first home purchase a breeze. They closed our purchase loan in under 2 weeks with an amazing rate. They are so knowledgeable and answer all of our questions quickly. They made sure the escrew went smoothly and kept all the parties informed throughout the process. They know what they need to do. We 100% recommend them!

Vahid Ghadamyari

03:57 27 May 24

We had an exceptional experience working with Brian and Nichole from Grand Avenue Realty & Lending. From the very beginning, he demonstrated outstanding professionalism and expertise. Brian took the time to thoroughly understand my financial situation and providing clear and comprehensive advice tailored to my needs.The entire process was smooth and efficient, thanks to their excellent communication skills and attention to detail. Brian kept me informed at every step, promptly addressing any questions or concerns we had. He went above and beyond to secure a competitive interest rate and favorable loan terms, which made a significant difference in my home-buying experience.What stood out the most was his dedication to ensuring I felt comfortable and confident throughout the process. I highly recommend Brian and Nichole to anyone looking for a knowledgeable and reliable mortgage broker. Thank you, Brian and Nichole, for making our dream of homeownership a reality!

David Barnes

20:06 01 Aug 23

Brian and Nichole were so great to work with and great communicators throughout the process.

Grand Avenue Realty & Lending 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.

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VA Loans in Orange County

What is the VA Loan Program?

Do You Qualify for a VA Loan in Orange County?

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VA Loans

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