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Find VA Loan Specialists Near You in San Luis Obispo, CA
Directory of va loan specialists in San Luis Obispo, California. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
San Luis Obispo, 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 19 va loan specialists in San Luis Obispo, 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.
Assist Home Loans
1410 Noveno Ave, San Luis Obispo, CA 93401
8057570544
Pacific Trust Mortgage
735 Tank Farm Rd, San Luis Obispo, CA 93401
8055434422
Landon Spitler at Certainty Home Lending (NMLS #633244)
895 Pismo St, San Luis Obispo, CA 93401
8054710243
Donna Lewis at Rate (NMLS #245945)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8053358743
Ben Lerner at Certainty Home Lending (NMLS #395723)
895 Pismo St, San Luis Obispo, CA 93401
8054419486
Arrona Financial: David Arrona, Mortgage Broker
599 Higuera St f, San Luis Obispo, CA 93401
8055440160
Jeff Meyers at CrossCountry Mortgage
846 Higuera St # 5, San Luis Obispo, CA 93401
8054409006
The Mortgage House
1103 Toro St, San Luis Obispo, CA 93401
8057826999
Carley Smith at Certainty Home Lending (NMLS #448442)
895 Pismo St, San Luis Obispo, CA 93401
7734357563
Dylan Morrow at Rate
1065 Higuera St, San Luis Obispo, CA 93401
8055509742
Mike Poyntz - Motif Mortgage
1319 Marsh St STE 102, San Luis Obispo, CA 93401
8052340903
Primary Residential Mortgage, Inc.
1042 Pacific St # C, San Luis Obispo, CA 93401
8055460290
Kim Williams at Certainty Home Lending (NMLS #263247)
895 Pismo St, San Luis Obispo, CA 93401
8054716186
Bryan Hulburd at Rate (NMLS #2697595)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8057187717
Central Coast Lending
1319 Marsh St, San Luis Obispo, CA 93401
8055435626
Bill Mott at Certainty Home Lending (NMLS #341086)
895 Pismo St, San Luis Obispo, CA 93401
8052345081
Tracie Southerland at Certainty Home Lending (NMLS #296909)
895 Pismo St, San Luis Obispo, CA 93401
6502551477
Kevin Cunningham at Certainty Home Lending (NMLS #633249)
895 Pismo St, San Luis Obispo, CA 93401
8054585178
Rate
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8053358743
VA loan specialists in San Luis Obispo help veterans and active duty service members secure home financing with no down payment. Under California law, VA loans are exempt from certain state transfer taxes, which can reduce closing costs. Local specialists understand the San Luis Obispo housing market and can guide you through county-specific property requirements.
What Does a VA Loan Specialist in San Luis Obispo Cost?
VA loan specialist fees in California usually range from 1 to 3 percent of the loan amount, though some specialists charge a flat fee of 500 to 1500 dollars. The VA funding fee for first-time use is 2.15 percent for regular military and 2.4 percent for reservists. Costs vary by lender and loan size. 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 does a VA loan specialist do in San Luis Obispo?
A VA loan specialist helps veterans and military families apply for VA-backed home loans. They assist with Certificate of Eligibility, property appraisals, and lender requirements specific to San Luis Obispo County.
Are there California-specific rules for VA loans?
Yes, California allows VA loans to be used for condos and manufactured homes if they meet state and local zoning laws. Also, California law limits prepayment penalties on VA loans to protect borrowers.
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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.