Skip to main content

Find VA Loan Specialists Near You in Elk Grove, CA

Directory of va loan specialists in Elk Grove, California. Verify credentials with the state state mortgage licensing authority before hiring.

17 agents listed
Updated June 2026
Elk Grove, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of California before hiring.
Showing 17 va loan specialists in Elk Grove, CA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Lifetime Home Loans -Michele Milota
10259 Atlantis Dr, Elk Grove, CA 95624
(916) 628-3814 michelemilota.com
Precision Home Loans
9401 E Stockton Blvd #145, Elk Grove, CA 95624
(916) 947-7331 precisionhl.com
Golden Empire Mortgage Inc.
9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758
(916) 261-8186
Chris Opfer, Mortgage Lender
9381 E Stockton Blvd STE 214, Elk Grove, CA 95624
(916) 709-3257 chrisopfermortgage.com
Anew Lending
9323 Laguna Springs Dr STE 110, Elk Grove, CA 95758
(916) 226-9991 anewlending.com
Finance of America Mortgage LLC | Elk Grove, Ca | NMLS 81395
9250 Laguna Springs Dr #210, Elk Grove, CA 95758
(916) 509-3400
Johnny Delgadillo - Xpert Home Lending Inc.
9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624
(916) 710-1450 jdelmortgage.com
Land Home Financial Services - Elk Grove
9381 E Stockton Blvd STE 208, Elk Grove, CA 95624
(916) 512-6791 mortgage.lhfs.com
Modern Loans
2220 Heger Way, Elk Grove, CA 95758
(916) 619-2661 modern-loans.com
Big Valley Mortgage
9250 Laguna Springs Dr #200, Elk Grove, CA 95758
(916) 670-6500 bigvalleymortgage.com
365 Home Loans Inc. ALL IN LENDING
8788 Elk Grove Blvd Office 1 Building 1, Elk Grove, CA 95624
(916) 813-2243 sumerhomeloans.com
ArmCor Home Loans
9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624
(916) 877-6251 armcorhomeloans.com
Anthony Carillo, Finance of America Mortgage LLC
9250 Laguna Springs Dr #210, Elk Grove, CA 95758
(209) 327-9506 foamortgage.com
Yvette Garay - Your Home Loan Specialist
8788 Elk Grove Blvd Bldg 3, Ste 12C, Elk Grove, CA 95624
(916) 919-7889 yvettegaray.com
Land Home Financial - Christina Leesha
9381 E Stockton Blvd STE 208, Elk Grove, CA 95624
(916) 595-0909 christinaloanapproval.com
Hong Nguyen - Chase Home Lending Advisor - NMLS ID 666767
8725 Elk Grove Blvd, Elk Grove, CA 95624
(916) 205-9278 homelendingadvisor.chase.com
Spartan Home Loans
9141 Elk Grove Blvd, Elk Grove, CA 95624
(916) 485-5626 spartanmortgageservices.com

VA loan specialists in Elk Grove, California help veterans and active duty service members secure home loans with no down payment and competitive rates. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Elk Grove offers a strong housing market, and a local specialist can guide you through the specific property tax exemptions available to disabled veterans under California Revenue and Taxation Code Section 205.5.

What Does a VA Loan Specialist in Elk Grove Cost?

VA loan specialist fees in California typically range from 0.5% to 1.5% of the loan amount, but many specialists are paid by the lender. The VA funding fee for first-time use is 2.15% for regular military and 2.4% for reserves or National Guard, with reduced rates for subsequent uses. Costs vary by lender and loan size. This is general information, not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What is a VA loan and who qualifies in Elk Grove?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. It is available to veterans, active duty service members, and eligible surviving spouses who meet service requirements. In Elk Grove, you must also meet standard lender credit and income criteria.
Do VA loans require a down payment in California?
No, VA loans typically do not require a down payment. This is a key benefit for buyers in Elk Grove. However, you may still need to pay closing costs and a VA funding fee unless you are exempt due to a service-connected disability.
Are there California-specific rules for VA loan appraisals?
Yes, VA appraisals in California must meet both VA minimum property requirements and state building codes. The appraisal also checks for local issues like earthquake safety and flood zone status. This can affect timelines in Elk Grove.

VA Loan Specialists in Other California Cities