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So Cal VA Homes

The Affordability of Living in Riverside County

by So Cal VA Homes
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The cost of living in Riverside County makes it an affordable place to relocate to. Median home prices make the biggest difference when comparing the cost of living in Riverside to surrounding counties such as Los Angeles, Orange County, and San Diego. On average, the median home cost in Riverside County is 40% less than Los Angeles County, for example. The same home that costs approximately $400,000 in Riverside would cost $670,000 in Los Angeles. That’s a huge difference! Home prices are sure to be a significant factor when you compare the affordability of choosing between Riverside County and the […]

Affordability and Loan Limits for Los Angeles County

by So Cal VA Homes
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If you are a Veteran who is thinking about moving to Los Angeles County, then you might be concerned about affordability. While it is true that the cost of living in Los Angeles is higher than the cost of living for counties located just east (e.g., Riverside County), you might be pleasantly surprised to know that your VA entitlements can make purchasing a home in Los Angeles easier than it may seem. Consider this: current interest rates are at historic lows and as Veteran, you do not have to pay for Private Mortgage Insurance (PMI). You might be wondering about […]

VA Loan Limits Rise in 2019

by So Cal VA Homes
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VA loan limits have changed as of January 1, 2019. They have increased from previous years, and this is good news! Loan limits matter when thinking about affordability and how much house you can get for your money. Since loan limits have increased from $453,100 to $484,350, Veterans now have 6.9% more to work with wherever they decide to purchase a house. But this is even better news if you plan to buy in San Diego. Why? Because San Diego is considered a “high-cost county” based on the higher-than-average cost of homes when compared to other places within the United […]

How Does Credit Affect Your Loan?

by So Cal VA Homes
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How Does Credit Affect Your Loan? A person’s credit score can say a lot about them. The number is based on a person’s creditworthiness. A credit score is a good way for lenders to determine how likely a borrower is to pay back their loan. Credit scores are a useful screening tool for credit card companies, banks and mortgage lenders. All prospective homebuyers are subject to credit checks to qualify for home loans. For Veterans hoping to secure a VA home loan, credit scores are just one detail lenders will look to for approval. Because the loans are offered by […]

Overcoming Seller’s Bias: Strategies to Help Veterans Buy Homes

by So Cal VA Homes
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Overcoming Seller’s Bias: Strategies to Help Veterans Buy Homes Buying a home is a journey. For most people, home represents safety. It’s easy to get caught up in the dream of a life in a home you recently toured. Too often, though, sellers are unwilling to accept VA loan offers. Veterans find their offer for the home of their dreams rejected. Like it or not, certain biases against VA loan offers exist. In this blog, we will cover many of the reasons behind seller’s bias against Veterans. We’ll also teach you how to overcome them. Misconceptions About the VA Home […]

Five Things Most Veterans Don’t Know About VA Home Loans

by So Cal VA Homes
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Five Things Most Veterans Don’t Know About VA Home Loans The benefits of serving in the United States military are significant. Affordable healthcare, retirement pay and tuition assistance are just a few of the reasons why people join up. Many Veterans, however, aren’t aware that easy financing through VA home loans is an attractive alternative to traditional mortgage options in their journey to homeownership. Here are just a few of the ways VA home loans differ from other mortgage options: You Don’t Need a Down Payment Saving 20 percent for a down payment is a difficult proposition for most Americans. […]

How do I Calculate my VA Loan Funding Fee?

by So Cal VA Homes
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VA home loans offer an affordable way for Veterans and their families to buy homes. While most VA loans do not require any money for a down payment, nor any closing costs, buyers are expected to pay a VA loan funding fee. Designed to help keep the VA loan program running, the funding fee is a percentage of the loan amount that is paid to the Department of Veterans Affairs. It also ensures that the loan guaranty program will continue to be an option for millions of military families for generations to come. The size of your VA home loan […]

Five Tips for Buying Your First Home

by So Cal VA Homes
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Five Tips for Buying Your First Home We all hope to own a place of our own someday. Homeownership shows that you are committed to your goals. A house can also serve as an investment in your future. From a practical point of view, anyone hoping to live in a certain area for the foreseeable future should at least consider homeownership over renting. It just makes sense to build equity while you are paying for housing each month. Thankfully, there are tons of resources available to help Veterans through the home buying process. If you’re considering buying your first home […]

VA Loans: A Guide Explaining Veterans Home Loans

by So Cal VA Homes
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Veterans home loans are among the best benefits available to active duty and retired military servicemen and women. Designed to help Veterans achieve their dreams of homeownership, the program offers affordable options regardless of a person’s credit history or cash on hand. Because there is no down payment required or minimum credit score threshold to be met, Veterans can explore a host of options for home buying, construction and renovations. What are the Benefits of VA Home Loans? Affordable and flexible, VA home loans are a good option for those without the cash saved for a down payment. Typically, when […]

Using VA Benefits to Purchase Your First Home

by So Cal VA Homes
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Buying a home is exciting. It’s even more exciting when you realize you can use your VA benefits to do so. Among the many benefits extended to Veterans, VA home loans are among the most valuable. For many first-time home buyers, though, it can be hard to know what you don’t know. SoCal VA Homes employees are passionate about connecting Veterans with homes they love. With our team guiding you throughout the entire process, you’ll feel at ease with both your VA loan benefits and the options available to your family. What are the Benefits of Using a VA Loan? […]

The VAn Brady Report San Bernardino Sept18

by Peter Brady
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The VAn Brady Report – San Bernardino Sept 18

Is the Climb to Homeownership Too Steep for our Veterans?

by Bob Dickie
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California home buyers have it tough. Veterans and active military using VA loans have it especially tough.  That is in no small part due to rising interest rates and home prices. The climb is especially in counties such as San Diego, Sacramento, and San Bernardino. The Van Brady report which publishes a variety of Veteran specific home buying data, including VA purchase transaction volume and the median prices paid by this niche of VA home buyers, has discovered unsettling data within its September reports. VA Loan Production Declines Dramatically Between August and September The simple fact is that when people cannot […]
VA Loans For CA Veterans

Gaga’s Performance and The Blue Angels Brought Tears To My Eyes

by Peter Brady
Hopefully you had a chance to catch this amazing performance by Lady Gaga at this years superbowl. Some are saying it was the best performance of the National Anthem at a Superbowl yet. What do you think? Watch Now And Tell Us What You Think
VA Loans For CA Veterans

Kyle & Kati James Buy Their Dream Home!

by Peter Brady
When Kyle and Kati found out about us, it wasn’t like most of our transactions. They were in the process of selling their current home and had found a beautiful horse property in Bonsall that they desperately wanted. Kati had grown up nearby and had always dreamed of raising her family in the same surroundings she had been raised. This home was owned by a couple who were getting divorced and had left the house a few years ago letting it fall into disrepair. When we had been contacted by Kyle and Kati, the house was about 30 days from being […]
VA Loans For CA Veterans

Answering the Call – Why One Man Enlisted at 35!

by Peter Brady
I met Jason Noval when I was in high school. He worked at the accessories counter at my favorite music store, and we became good friends and stayed in touch over the years. In May 2013, Jason enlisted in the United States Army to fulfill his desire to become a soldier and to serve his country. What might be unusual about this story is that Jason graduated from Basic Training on his 35th birthday! I told Pete about Jason and what he’d done at his age, and Pete was fascinated. “Nobody does that in their thirties,” said Pete, and then […]
VA Loans For CA Veterans

T Shirt Give Away Goes Viral!

by Peter Brady
FOR IMMEDIATE RELEASE                                                           CONTACT: JESSE LAWLER                                                                                                 PH: 949-268-7742   Small Business Owner Helping Veterans Pushed Past the Brink of Sanity After Free T-Shirt Give-Away Goes Viral…Globally ORANGE COUNTY, CA Between Thursday at 9:00PM and Monday morning, one little $30 add placed on Facebook had gone viral to 75 different countries in seven continents and all 50 states.  The company owner was ill prepared… “I guess we didn’t tell him EXACTLY what […]

The SoCalVAHomes-Mobile!

by Peter Brady
SoCalVAHomes.org now has its first fully wrapped van, SoCalVAHomes.org-Mobile! Be sure to be on the look out for this van as it makes its way across San Diego, Orange County, Riverside County and LA County helping our service men and women get the home of their dreams all for zero down, zero closing! If  you see it take a picture of it and send it to us and we’ll send you a T-Shirt! Our Mission is to help as many active and retired military get into the homes of their dreams as possible, so please let us know if we […]

2013 California VA Loan Limits

by Peter Brady
VA loans aren’t made by the department of the VA but are rather guaranteed by the VA. Below is an updated list of loan limits by county in the state of California. County Name Single Family Home ($0 down and up to) Max Guaranty ALAMEDA $1,050,000.00 $1,000,000 ALPINE $463,450.00 $1,000,000 AMADOR $417,000.00 $1,000,000 BUTTE $417,000.00 $1,000,000 CALAVERAS $417,000.00 $1,000,000 COLUSA $417,000.00 $1,000,000 CONTRA COSTA $1,050,000.00 $1,000,000 DEL NORTE $417,000.00 $1,000,000 EL DORADO $437,500.00 $1,000,000 FRESNO $417,000.00 $1,000,000 GLENN $417,000.00 $1,000,000 HUMBOLDT $417,000.00 $1,000,000 IMPERIAL $417,000.00 $1,000,000 INYO $417,000.00 $1,000,000 KERN $417,000.00 $1,000,000 KINGS $417,000.00 $1,000,000 LAKE $417,000.00 $1,000,000 LASSEN $417,000.00…
VA Loans For CA Veterans

Peter Van Brady and SoCalVAHomes.org Partners with UPS Store Owner

by Peter Brady
Peter Van Brady, founder of SoCalVAHomes.org was hosted by Huy Dang to help and train his staff on how the SoCalVAHomes program works and how to help our country’s active and retired service men and women overcome the challenges in purchasing a home in today’s market while helping add revenue to the store by helping out their current customers. Watch the video below:   In Pete’s Training he also covered frequently asked questions that UPS Store Employees got when interacting with their VA Customers, which included: Q:What are the VA loan limits? A:The depend on the county, Southern California’s 5 […]
VA Loans For CA Veterans

Charities That SoCalVAHomes.org Support

by Peter Brady
“We have been blessed with great clients and a good business in 2012, and we felt it was absolutely necessary to give back to our community that supports us.  These four charities share our common goals and beliefs of recognition, gratitude and helping those Veterans in need.  They also have a local focus, so we were more than happy to financially support them.” – Peter Van Brady Operation Gratitude- “Operation Gratitude annually sends 100,000 care packages filled with snacks, entertainment items and personal letters of appreciation addressed to individually named U.S. Service Members deployed in hostile regions, to their children […]

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