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Camp Pendleton, MCRD San Diego, Naval Base San Diego, NAS North Island · San Diego County

VA Loans in
San Diego, CA

$0 down payment. No PMI. VA rates from 5.750%. Valley West Mortgage is licensed in CA and serves veterans throughout Oceanside, Carlsbad, Chula Vista, Escondido, El Cajon, and all of San Diego County.

Check Your San Diego VA Rate (702) 696-9900
5.750%
VA 30yr Rate
$0
Down Payment
$1,104,000
San Diego County Limit
$825,000
Median Home Price
SAN DIEGO VA LOANS

Why Veterans in San Diego Choose VA Loans

$0 Down in San Diego

At a median price of $825,000, a conventional loan would require $41250+ down (5%). With a VA loan, you keep that cash in your pocket.

No PMI Savings

On a $825,000 home in San Diego County, you save approximately $200-350/month by avoiding private mortgage insurance that FHA and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving CA veterans since 2004. We know the San Diego market inside and out.

PAYMENT ESTIMATE

VA Payment in San Diego

Estimated monthly P&I on a $825,000 home
$4,814

5.750% rate · 30-year fixed · $0 down · $0 PMI

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NEARBY BASES

Military Installations Near San Diego

Active duty, veterans, Guard, Reserve, and eligible surviving spouses stationed at or near Camp Pendleton, MCRD San Diego, Naval Base San Diego, NAS North Island can use their VA benefit to buy a home in San Diego County.

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FAQ

San Diego VA Loan Questions

VA 30-year fixed rates in San Diego, CA start at 5.750% as of March 2026. VA 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in San Diego County is $1,104,000 for a single-family home. However, veterans with full entitlement have no loan limit and can purchase at any price with $0 down.
A typical VA purchase in San Diego closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. VA IRRRL refinances can close in as little as 15 days.
Yes, as long as the condo complex is VA-approved or qualifies under the VA single-unit approval process. Valley West can check VA approval status for any condo in San Diego County and help you navigate the approval process if needed.
RELATED

Related Resources

VA Purchase LoansToday's VA RatesSan Diego Loan LimitsVA EligibilityPayment Calculator
EXPLORE

Related Resources

VA PurchaseVA Rates TodayVA EligibilityPayment CalculatorLoan Limits
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REVIEWS

What VA Buyers Say

★★★★★

"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."

— VA buyer, Las Vegas
★★★★★

"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."

— VA buyer, Henderson
★★★★★

"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."

— VA buyer, North Las Vegas
YOUR VA RATE

Get Your Personalized Rate

VA rates from 5.750%. $0 down. No PMI. Check your rate in 60 seconds.

Check Your VA Rate (702) 696-9900

No SSN required · No credit impact · NMLS #65506

WHY US
The Valley West Difference
50+
Lenders competing for your VA loan.
$0
Down payment. $0 PMI. $0 fees.
28
Average days to close.
4.9★
790+ five-star reviews.
Check Your VA Rate →

VA Loan Resources

→ VA Eligibility → VA Rates Today → VA Calculator → VA Purchase → VA Refinance → VA Guide → First-Time Buyer → Funding Fee → Closing Costs → VA vs FHA
FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is licensed in California and provides VA home loans throughout San Diego County including Oceanside, Carlsbad, Chula Vista, Escondido, and areas near Camp Pendleton, Naval Base San Diego, and MCAS Miramar.

San Diego County is a high-cost area with a 2026 conforming loan limit of $1,006,250. Veterans with full entitlement have no limit and can borrow any amount with $0 down. This higher limit reflects San Diego's elevated home prices.

Yes. While San Diego home prices are higher than the national average (median approximately $850,000-$950,000), the VA's $0 down payment and no PMI requirements make homeownership significantly more accessible for military families stationed in the area.

All active-duty members and veterans from San Diego military installations qualify for VA loans, including Naval Base San Diego, MCAS Miramar, Camp Pendleton, Naval Base Point Loma, Naval Air Station North Island, and Marine Corps Recruit Depot San Diego.

Yes. Oceanside, Vista, San Marcos, and Fallbrook offer homes in the $500,000-$700,000 range, well within VA loan limits and often affordable with E-5+ BAH rates. Valley West can help you calculate affordability based on your specific BAH allocation.

VA rates from 5.750%
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