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Directory of va loan specialists in Fair Oaks, California. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Fair Oaks, 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 California before hiring.
Showing 2 va loan specialists in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628
9169052500
VA loan specialists in Fair Oaks California help veterans and active duty service members obtain home financing through the U.S. Department of Veterans Affairs. California law provides additional protections for veterans including property tax exemptions under Proposition 13 and the Veterans Property Tax Exemption. Local specialists understand the Sacramento area housing market and can guide you through California specific escrow and disclosure requirements.
What Does a VA Loan Specialist in Fair Oaks Cost?
VA loan specialist fees in California typically range from 0 to 1 percent of the loan amount for origination. The VA funding fee for first time use is 2.15 percent for regular military and 2.4 percent for reserves or National Guard. Some specialists charge a flat fee between 500 and 1500 dollars for consulting. Costs vary by lender and loan complexity. This is general information and 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 specialist in Fair Oaks?
A VA loan specialist is a mortgage professional who focuses on VA backed home loans. They help veterans understand eligibility requirements and navigate the loan process in California.
Do I need a California specific VA loan specialist?
Yes because California has unique property tax rules and escrow laws that affect VA loans. A local specialist knows Fair Oaks home values and county specific requirements.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.