VA loans
You earned this benefit. We'll help you use it.
VA loans remain one of the strongest paths to owning a home in California — for eligible veterans, active-duty service members, and some surviving spouses. We handle the details; you keep the benefit.
Federal First Lending is not affiliated with the Department of Veterans Affairs or any government agency.
No down payment options
Eligible borrowers can finance the full purchase price — a meaningful difference in California's market.
No monthly mortgage insurance
That changes the math on what you can comfortably afford each month.
Flexible where it matters
Credit and debt-ratio guidelines are often more forgiving than conventional programs. Sellers can also cover some costs.
Who's eligible
Eligibility generally depends on your service history. We can pull your Certificate of Eligibility with you on the first call.
Ten minutes with a licensed loan officer, zero pressure
Call (949) 994-8231(949) 994-8231 · Mon–Sat, 8am–6pm PT