VA Home Loans in San Jose & Santa Clara County
VA loans are one of the most powerful mortgage benefits available to eligible veterans, active-duty service members, and surviving spouses. I am proud to help those who have served access $0 down financing across the Bay Area.
Who this is for
- Veterans of the U.S. Armed Forces
- Active-duty service members
- National Guard and Reserve members with qualifying service
- Eligible surviving spouses
Loan highlights
$0 down payment required for eligible borrowers
No private mortgage insurance (PMI)
Competitive interest rates backed by the VA
No prepayment penalty
VA funding fee may be financed into the loan
Frequently asked questions
You'll need a Certificate of Eligibility (COE) from the VA — I can help you obtain one as part of your pre-approval.
Not for veterans with full entitlement — you can borrow any amount a lender approves with $0 down, regardless of home price. VA loan limits only apply if you have partial entitlement (from an existing VA loan or a prior VA foreclosure), in which case Santa Clara County's high-cost limit of $1,249,125 determines how much you can borrow with $0 down before a down payment kicks in on the remainder.
Yes — VA benefits can be reused as long as prior loans are paid off or entitlement is restored.
Yes — up to 4 units, as long as you occupy one of them as your primary residence.
VA Loans by City
Full VA entitlement means no loan limit at all — a real advantage in a high-cost county like this one. Here's how it plays out city by city:
Ready to get started?
A quick conversation is the fastest way to confirm your eligibility and map out your VA loan options.
Check Your VA Loan Eligibility