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Government Loan Quick FAQs

VA Home Loans
– Veteran does require a certificate of eligibility
– VA does not have a maximum loan limit
– 100% financing is available
   (up to county loan limits)
– VA limits veterans closing costs
– Closing costs may be paid by seller
– There is no Private Mortgage Insurance

Updated 06/01/2014 - While VA does not have a maximum loan amount, the following county “limits” must be used to calculate VA’s maximum guaranty amount for a particular county. These limits apply to all loans closed February 28th, 2014 through December 31, 2014. The new maximum guaranty amount for San Diego county is $546,250. Riverside County's maximum guaranty amount remains at $417,000. SOURCE: United States Department of Veterans Affairs (Document)

Effective 07/01/2012 - Change in Timeliness Requirements for Appraisals for Arizona, California, Nevada, and New Mexico: VA appraisers will now have 7 business days to complete and upload an appraisal from the date it is ordered; down from the previous maximum of 10 business days.

NOTE: To prevent delays in the appraisal timeline it is important that your real estate professional provide a copy of the executed purchase agreement to your lender immediately and the lender immediately orders the appraisal upon receipt of the purchase agreement.

CalVet Home Loans
– Most veterans are eligible if you served on active duty for a minimum of 90 days
– Active duty members may use CalVet (Restrictions apply)
– No prepayment penalties
– Using CalVet can effect VA entitlement

Basic Allowance for Housing

FHA Home Loans
– Low down payments, as little as 3.5%
– Low closing costs
– Easy credit qualifying

CalHFA FHA Loan Program
- Borrower must be a first time homebuyer
- Must be purchasing a primary residence
- Down payment and closing cost assistance available





Pool Home with Views on Large Lot in

Mt Woodson, a Gated Golf Course Community

16987 Boulder Oaks, Ramona CA 92065

Sold at $735,000

Represented the Buyers & Sellers

Well Maintained Corner Lot Home

  871 Via La Venta, San Marcos CA 92069

Highly Upgraded Single Level Home in Old Creek Ranch

2856 Dove Tail Dr., San Marcos CA 92078

Short Sale in Waters End

637 Sand Shell Ave.

  637 Sand Shell Ave. Carlsbad CA 92011
Represented Sellers

  Upgraded Home in Harveston

40449 Amesbury Ln., Temecula CA 92591

Traditional Sale in Magnolia Estates, Bressi Ranch

6381 Keeneland Dr, Carlsbad CA 92009
  Represented Buyer

  Traditional Sale in Cambria, San Elijo Hills

956 Avalon Way, San Marcos CA 92078
Represented Sellers



Certified Residental Specialist
Short Sales & Foreclosure Resource Certified

  Certified HAFA Specialist
e-PRO Certified
 Chief Warrant Officer-3 USMC (Retired)
CalBRE Lic. # 01703843


 Properties By Hood, Inc.
 800.578.0899 phone & e-fax

Contact Us

Graduate Realtor Institute

Accredited Buyer Representative
Seniors Real Estate Specialist
Feng Shui Certified
Marketing Specialist
CalBRE Lic. # 01490545



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