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Showing 2 va loan specialists in Templeton, CA
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Scott Elmerick at Certainty Home Lending (NMLS #742366)
520 S Main St Suite C, Templeton, CA 93465
8055501339
Certainty Home Lending
520 S Main St Suite C, Templeton, CA 93465
7734350960
What Does a VA Loan Specialist in Templeton Cost?
VA loan specialists in California typically charge origination fees between 0.5% and 1.5% of the loan amount. Third-party costs such as appraisal fees range from $500 to $1,000, and title insurance costs about $2,000 to $3,000. The VA funding fee is required for most borrowers. Costs vary by lender and property location. 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 specialist in Templeton?
A VA loan specialist is a mortgage professional who guides veterans through the VA home loan process. They help with Certificate of Eligibility, property requirements, and lender selection. In California, specialists must be licensed by the Department of Financial Protection and Innovation.
What are the eligibility requirements for a VA loan in California?
Eligibility requires at least 90 days of active service during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. California does not impose additional state-level eligibility rules beyond federal VA requirements.
Are there California-specific fees for VA loans?
Yes, California charges a documentary transfer tax on property sales, typically 0.11% of the sale price. Some counties add local fees. VA loans also have a funding fee ranging from 1.4% to 3.6% of the loan amount unless exempt due to disability.