Step-by-Step Guide to Getting a VA Loan as a First-Time Buyer in California
Buying your first home is a major milestone, and if you’re a veteran, active-duty service member, or eligible spouse, a VA loan can make homeownership more accessible. With zero down payment, lower interest rates, and no private mortgage insurance (PMI), VA loans are an excellent option for first-time homebuyers in California. In this guide, we’ll walk you through the step-by-step process of securing a VA loan so you can buy your dream home with confidence. Step 1: Check Your VA Loan Eligibility The first step in getting a VA loan is confirming that you meet the eligibility criteria. You may qualify if you are: An active-duty service member A veteran with an honorable discharge A reservist or National Guard member (with at least six years of service) A surviving spouse of a service member who died in the line of duty To verify eligibility, you’ll need a Certificate of Eligibility (COE), which you can obtain through the VA eBenefits portal, your lender, or by mail. Step 2: Get Pr...