VA Loans

Whether you are experienced with the VA Home Purchase financing, are a first-time home buyer or a veteran wanting to refinance your existing VA loan, owning a home is one of the greatest decisions you will ever make.

VA Loan Limits  Increase for some of California


VA Announces 2019 VA Loan Limits for California
effective on on January 1, 2019

VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a downpayment. These loan limits vary by county, since the value of a house depends in part on its location.

Interested veterans should check with me on the requirements regarding guaranty amounts and down payments. 

I am available to assist veterans and their families with their VA Home Loans, or GI loan as they are sometimes referred to, in Santa Rosa, Petaluma, Windsor and all of Sonoma county, the bay area and all of California! I have knowledge and experience with VA Loans and will help guide you through the loan process. My objective is to make the process of obtaining your VA Mortgage Loan as easy as possible. Apply Now!

Most veterans are eligible for Veterans Benefits. A VA Home Loan benefit is very often a great choice if you are planning on purchasing a home. An example of the advantages of a VA Loan: the opportunity to get a loan without a down payment and with a fixed loan interest rate that can be as good as or even better than conventional rates. The ease of a VA Home Loan is one of the first reasons an eligible borrower might choose this program. How much effort is needed to get a VA home loan? A few simple documents are all it takes to determine pre-approval. Many borrowers have found assurance in the loan process by knowing their loan meets the requirements for the Veterans Administration Guaranty. If you obtain a VA Loan, your loan is guaranteed or insured under the Home Loan Guaranty Program, which is administered under the Veterans Benefits Administration (VBA). American Pacific Mortgage has obtained special licensing and follows specific guidelines and auditing requirements in order to do VA Mortgages. You can receive a FREE REPORT to help you determine if you qualify for a VA Home Loan.


The Veterans Administration offers the Veteran an array of flexible VA Home Loan Refinance programs. These programs are designed to help its active duty, reservists and retired service men and women accomplish various VA refinance goals. Whether your refinance needs are to Consolidate Debt, access Cash from equity for home improvements or other reasons, or to simply Lower Your Interest rate, or alter your loan type and/or loan term, today’s VA Loan Refinance programs can help accomplish your goals at a competitive interest rate and lowest possible costs in the marketplace.

I will analyze your present circumstances and help you determine the  least costly means of accomplishing your VA Refinance objectives.

You served your country, thank you! Now, let me serve you!

Please visit our Disclosures page for more details for all loan types.

*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.