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Directory of va loan specialists in San Clemente, California. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
San Clemente, 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 8 va loan specialists in San Clemente, 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.
Alliance Mortgage Lending
635 Camino De Los Mares STE 203, San Clemente, CA 92673
9494435178
New American Funding - San Clemente, CA
224 Avenida Del Mar Ste. C, San Clemente, CA 92672
9494458357
New American Funding - Jeff Moore
224 Avenida Del Mar Ste. C, San Clemente, CA 92672
9497514725
New American Funding - Jonny Moore
224 Avenida Del Mar Ste. C, San Clemente, CA 92672
9493981314
Veteran Home Loan Center
940 Calle Amanecer suite d, San Clemente, CA 92673
9492098944
Seaside Lending
220 S Ola Vista unit d, San Clemente, CA 92672
9494132990
Veteran Home Loan Center
940 Calle Amanecer suite d, San Clemente, CA 92673
9492098944
Veteran Home Loan Center
940 Calle Amanecer suite d, San Clemente, CA 92673
9492098944
A VA loan specialist in San Clemente, California helps veterans, active duty service members, and eligible surviving spouses obtain home loans with favorable terms. California law requires lenders to follow specific disclosure rules for VA loans, including the California Financing Law. San Clemente is near Marine Corps Base Camp Pendleton, so many local borrowers benefit from VA loan expertise.
What Does a VA Loan Specialist in San Clemente Cost?
Typical costs for a VA loan specialist in California include a funding fee (2.15% to 3.6% of the loan amount for first-time use, waived for disabled veterans) and lender origination fees (usually 0% to 1% of the loan). Appraisal fees range from $500 to $1,000, and title insurance costs about $1,000 to $2,500. These costs vary by lender and loan amount. 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 in San Clemente do?
A VA loan specialist guides you through the VA home loan process, including determining eligibility, obtaining a Certificate of Eligibility, and finding a lender. They also help with property requirements specific to California, such as termite inspections and earthquake insurance considerations.
How do I qualify for a VA loan in California?
You must meet VA service requirements, such as 90 days of active duty during wartime or 181 days during peacetime. California does not have a state-specific income limit for VA loans, but lenders will review your credit score and debt-to-income ratio.
Are there California-specific rules for VA loan appraisals?
Yes. California requires VA appraisals to include a wood-destroying pest inspection and a check for compliance with local building codes. The appraisal must also consider the property's proximity to flood zones or earthquake faults.
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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.