WHO IS ELIGIBLE?

• Active duty personnel

• National Guard

• US Veteran discharged from active duty within the last 25 years under honorable conditions

• Applicant currently resides in or plans to reside in California

• Peacetime Veterans

WHY A CAL-VET LOAN?

• Loans up to $521,250

•No down payment with VA Certificate of Eligibility

• Starting at 3% down if not VA loan

• On average: below market rates

• Cal Vet loans are easier to quality for than conventional loans in today's market

• Cal-Vet has premium quality homeowner's insurance for below market costs.

• Cal-Vet allows secondary financing

WHY CALIFORNIA MILITARY HOME LOANS?

It is our goal to produce you with excellent service in a timely manner with regular updates and constant correspondence with Cal-Vet/VA, Seller's agents and an Escrow agent to keep the loan on track to close in a timely manner.

MOST POPULAR QUESTIONS:

Q: Is now a time to buy If I plan on being in the home for at least 10 years?

A: No one knows for sure. The bottom is only found when looking back. There are some amazing deals out there. You are in a strong position to negotiate with a prequalification letter. In our current financial crisis: Cal-Vet is more lenient than conventional banks in lending.Find a good agent: someone who has been in business for the last 20 - 25 years. Individuals must look at their own situations as part of the decision as to when is the right time to buy.

THOUGHT FOR 2009:
 
"A positive attitude is everything,"