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VA Loan Specialists in San Carlos, CA

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

4 agents listed
Updated June 2026
San Carlos, 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 4 va loan specialists in San Carlos, 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.
HPI Financial
1149 Cherry St, San Carlos, CA 94070
(650) 741-9797 hpifinancial.com
Cal-West Home Loans Inc
569 Laurel St, San Carlos, CA 94070
(650) 591-7321
Bay Area Capital Funding
790 Laurel St Ste 11, San Carlos, CA 94070
(650) 637-1955
Chase Home Lending
845 Laurel St, San Carlos, CA 94070
(650) 464-9019 homelendingadvisor.chase.com

VA loan specialists in San Carlos help eligible veterans, active-duty service members, and surviving spouses secure home financing with no down payment. California law requires lenders to provide a Good Faith Estimate within three days of a loan application. San Carlos is in San Mateo County, where median home prices often exceed the VA loan county limit of $1,149,825 for 2024, so specialists can guide clients on jumbo VA loans.

What Does a VA Loan Specialist in San Carlos Cost?

VA loan specialists in California typically charge a flat fee or a percentage of the loan amount. Common fees range from 500 to 1,500 dollars for consulting services, while lender origination fees can be 0.5% to 1% of the loan. The VA funding fee is mandatory unless you have a service-connected disability. Costs vary by case. 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 does a VA loan specialist do in San Carlos?
A VA loan specialist helps veterans understand eligibility, obtain a Certificate of Eligibility, and find lenders familiar with California property laws. They also advise on local market conditions and VA appraisal requirements.
Are there California-specific rules for VA loans?
Yes, California has a state law requiring lenders to disclose the total cost of the loan within three days of application. Also, California property taxes do not apply to the VA funding fee, which ranges from 0.5% to 3.3% of the loan amount.
How do I choose a VA loan specialist in San Carlos?
Look for specialists with experience in San Mateo County real estate and knowledge of VA loan limits. Check their reviews and ask about their familiarity with California escrow and title processes.

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