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Browse va loan specialists serving Tracy, California. Contact information and addresses listed below.
13 agents listed
Updated May 2026
Tracy, 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 13 va loan specialists in Tracy, 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.
Peter F Stebbins - Chase Home Lending Advisor - NMLS ID 1253776
691 W 11th St, Tracy, CA 95376
4129256518
New American Funding - Tracy, CA
1486 W 11th St Ste 224, Tracy, CA 95376
2093183054
Compass Home Loans
450 W Larch Rd #4, Tracy, CA 95304
2098339696
Axel Real Estate & Home Loans Inc.
1721 Deborah St, Tracy, CA 95376
4083507353
The Mortgage Doctor Tracy Office
17 E 6th St #226, Tracy, CA 95376
5108289819
Charles R Sterni | Fairway Independent Mortgage Corporation Area Manager
4598 S Tracy Blvd Suite 140, Tracy, CA 95377
2096522880
VA loan specialists in Tracy, California help eligible veterans, active duty service members, and surviving spouses secure home financing with no down payment. California law provides additional protections, such as the California Veterans Property Tax Exemption, which reduces property taxes for qualifying veterans. Tracy offers a growing housing market near the Altamont Corridor, making local expertise valuable for understanding county-specific limits and lender requirements.
What Does a VA Loan Specialist in Tracy Cost?
Typical costs for a VA loan specialist in California include a loan origination fee of 0.5% to 1.0% of the loan amount. Closing costs in Tracy generally range from 2% to 5% of the purchase price, covering appraisal, title insurance, and escrow fees. The VA funding fee is often financed into the loan. Costs vary by lender, loan size, and property type. 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 are the basic eligibility requirements for a VA loan in Tracy?
You must meet service requirements set by the VA, such as 90 days of active service during wartime or 181 days during peacetime. A Certificate of Eligibility from the VA is required. California does not impose additional state-level eligibility rules beyond federal standards.
Can I use a VA loan to buy a home in Tracy more than once?
Yes, you can use a VA loan multiple times, but your entitlement may be partially used. If you have remaining entitlement or restore it by selling the previous home, you can obtain another VA loan. California law does not limit the number of times you can use this benefit.
Are there California-specific fees or taxes for VA loans in Tracy?
California does not charge a state-specific VA loan fee. However, you may pay the VA funding fee, which ranges from 0.5% to 3.6% of the loan amount depending on your down payment and service history. Property taxes in Tracy are based on the county tax rate, typically around 1% of the assessed value plus local bonds.
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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.