VA Home Loans

Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only

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VA FHA Conventional (FNMA/FHLMC) USDA Down Payment Assistance Forgivable Grants CalHFA CalVET Jumbo / Super Jumbo SBA Agricultural Commercial Hard Money DSCR Apartment Complex Manufactured Homes

Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes

VA Home Loans property photo

At a glance

Best for: eligible veterans, service members, and some surviving spouses.
Key document: Certificate of Eligibility (COE) is commonly required.
Occupancy: primary residence requirement is typical.

Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.

Basic qualifications (typical)

Be eligible for VA loan benefits and obtain a COE.
Meet lender credit and income requirements.
Plan to occupy the property as a primary residence (typical).

Property types that may work

Single-family homes
Some condos/townhomes (approval/guidelines vary)
Some 2–4 unit properties (owner-occupied; guidelines vary)

Typical documentation checklist

Photo ID
Income documentation (paystubs, W-2s, tax returns depending on income type)
Asset documentation (bank statements; source of funds for down payment/closing costs)
Property documentation (purchase contract if buying; insurance quote)
Credit authorization and explanations if needed
Program-specific items (below)

Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.

Program-specific documents / notes

Certificate of Eligibility (COE).
Service documentation as needed (DD214/current service docs).
VA disability award letter (if applicable).

Helpful links: VA eligibility / COE info

Questions? Call (530) 238-5739 or email [email protected].

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