Speak with a home loan specialist now! (818) 355-7168

Check Your VA Loan Eligibility

Work with a top-rated local mortgage lender specializing in both VA purchases and refinances today!

Buy a Home Refinance

Thank you for your service!

  • As a real estate broker with extensive experience, working with Justin Druian has been a standout experience. He's the only mortgage lender I fully trust to consistently deliver for my clients. Justin excels in finding the best rates, and his dedication to client satisfaction is evident in every transaction. His clear communication and professionalism make… Davis Bartels - January 24, 2024
  • Justin’s level of confidence, his understanding and knowledge of real estate and the mortgage business is astounding and without equal. He made us feel comfortable, confident and was thorough as he patiently answered all our questions and concerns as we went through the process of securing a loan. We can’t say enough good things about… Barry & Diane Rogoff - November 3, 2023
  • I have worked with Justin on numerous deals since 2015. I have been in multiple fascist of the Real Estate world for almost 20 years; Justin has my absolute trust and I would recommend him to all. If you are looking for top level communication and honesty, this is who you want to work with! Ash Hammad - October 28, 2023
  • I have worked with Justin for many years as a realtor, and is always looking out for his clients best interests, and is very ethical, I would highly recommend, for all loans services, Justin and the durian mortgages and loans team, has always treated my clients with the highest respect and has gotten the best… James Beggs - October 28, 2023

What is a VA Home Loan?

VA home loans are ones guaranteed by the U.S. Department of Veterans Affairs. They were created by the government in 1944; since then, more than 24 million VA loans have been originated, helping veterans, active duty military members and their families purchase or refinance a home.

The fact that these loans are backed by a government agency makes lenders feel more comfortable in offering them, as they pose less risk. As a result, it’s possible to get a VA loan in California without a down payment, and with sometimes-looser credit requirements.

The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment. The loan may be issued by qualified California lenders.

VA Loan Requirements

  • Have at least 90 consecutive days of active service during wartime or at least 181 consecutive days of active service during peacetime.
  • Have more than six years of service in the National Guard or Selective Reserve.
  • Be the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
  • Meet the lender’s requirements for credit and income. The VA doesn’t set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
  • Borrowers need to show they have the income to make the mortgage payments and they shouldn’t have a huge debt load.
  • While there is no minimum credit score requirement, borrowers might have a hard time getting approved by a lender if they don’t have at least a 620 FICO Score.
  • The property you want to buy must meet safety standards and building codes and will be your primary residence.
  • In order to go through the process, you need to obtain a VA Certificate of Eligibility (COE). Without this certificate, you won’t be able to get your loan.

Have questions? We'd love to help! (818) 355-7168

Druian Mortgage & Loans, Inc.


(818) 355-7168 Email Us

Thanks again for choosing Druian Mortgage & Loans, Inc.!

Druian Mortgage & Loans, Inc. home mortgage

© 2024 8 Blocks LLC All Rights Reserved. Druian Mortgage & Loans, Inc. NMLS# 2509899 | Druian Mortgage & Loans Inc. is a licensed Real Estate Broker, California Department of Real Estate, license number 02215218 and Mortgage Loan Originator, NMLS # 2509899. Justin Druian, Designated Officer of Druian Mortgage & Loans Inc., is a licensed Real Estate Broker, California Department of Real Estate, license number 01999625 and Mortgage Loan Originator, NMLS #2262787. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Druian Mortgage & Loans Inc. and Justin Druian do not provide legal, tax or investment advice. Any published articles, blog posts, resources or other related material located on this website are for information purposes only. Please seek the advice of an attorney, tax professional and/or financial advisor for legal, tax or financial advice. - NMLS Consumer Access / Legal Disclaimer - This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. All Zillow rate data and Zillow reviews are © of Zillow, Inc. 2006-2024. Powered by Lenderd.com