VA loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A VA loan in San Diego can let eligible veterans, active duty, Guard, Reserve, and qualifying surviving spouses buy with $0 down and no monthly PMI. With full entitlement, the old county VA loan cap does not apply.
Who qualifies for a VA loan in San Diego?
Eligible veterans, active duty, National Guard, Reserve, and qualifying surviving spouses. Service length and discharge status matter. We confirm that with a Certificate of Eligibility (COE). Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458.
VA is for a primary residence. If you are comparing programs, also read FHA loan San Diego and San Diego mortgage rates.
What do $0 down, no monthly PMI, and entitlement mean?
$0 down means you can finance the full purchase price when entitlement and the lender's guidelines support it. No monthly PMI means VA does not charge a monthly mortgage insurance premium the way conventional and FHA often do.
Entitlement is the VA's guaranty on your loan. Full entitlement means you are not limited by the old county VA cap. Residual income, credit, and the appraisal still apply. We walk that in plain English on your file.
What is the San Diego military reality?
This county has a large military footprint. We work files near Camp Pendleton, MCAS Miramar, Naval Base San Diego, and NAS North Island, plus the cities next to them.
- Camp Pendleton and Oceanside
- MCAS Miramar (San Diego)
- Naval Base San Diego and Chula Vista
- NAS North Island and Coronado
Other cities that come up: La Jolla, Carlsbad, El Cajon, Escondido, Encinitas.
What should I know about the VA funding fee?
Most VA loans include a one-time funding fee. The amount depends on first use vs subsequent use, down payment, and disability status. Some borrowers are exempt. We will quote your fee on the file. We do not publish percentages here because they change and they are file-specific.
How does VA compare to FHA and conventional?
| Down payment | Mortgage insurance | Occupancy | |
|---|---|---|---|
| VA | $0 down is common with full entitlement | No monthly PMI | Primary residence |
| FHA | Typical minimum 3.5% | MI applies | Primary residence |
| Conventional | Varies by program and lender | Usually required under 20% down | Primary, second home, or investment, depending on the program |
Where can I check payments and loan limits?
Use the mortgage calculator for a payment sketch. Use 2026 San Diego loan limits if you are comparing conventional or high-balance next to VA. With full entitlement, VA is not capped by the old county VA limit. 2026 1-unit high-cost conforming is $1,104,000. Baseline conforming is $832,750.
Writing an offer? The San Diego offer sheet helps you put the number on paper. Already have a VA loan and thinking about a streamline refinance? See Refinance San Diego and call (619) 366-9494.
Frequently asked questions
Often yes if you have full entitlement. The old county VA loan cap does not apply. Credit, income, residual income, and the property still have to work. We shop the file. Call (619) 366-9494.
Yes, many veterans can use VA again. Remaining entitlement depends on whether a prior VA loan was paid off and whether the entitlement was restored. We check that on your Certificate of Eligibility.
Yes. A Certificate of Eligibility shows you have VA entitlement. We can help you request it. Bring what you have and we will tell you what is missing.
Ready to use your VA benefit?
Get pre-approved. We shop the file and check entitlement on a real COE.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Equal Housing Lender