Debra Markovich

                                                        (858) 245-4290




                                                                               NMLS: 241969   CA BRE:01358613  




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This is not a commitment to lend. Restrictions apply as to LTV and credit score. Rates and terms are subject to change without notice. Terms based on loan program guidelines and APR. The credit may not be extended if we find that you do not meet the criteria used to select you for this offer. The products displayed are based upon customers who have not been late on any other mortgage payments, been discharged in bankruptcy or have been subject to foreclosure. APR based on specific loan amount posted. Program savings available upon confirmed qualifications. National Mortgage Licensing System #236669. Arbor Financial Group License #0185041. Call for details.

Have you served your country?


VA home loans are mortgages guaranteed by the United States Department of Veterans Affairs that are designed to offer long-term financing to eligible American Veterans to purchase homes. To be eligible for a VA loan, you must have previously served in the military for at least 90 days during wartime or 181 days during peacetime, or currently be on active duty.

Benefits of a VA loan:

  • VA loans require no down payment for loans up to $726,525 

  • VA jumbo loans are available up to $2,000,000 

  • VA loans require no mortgage insurance

  • VA loans provide a 30 year fixed interest rate that is usually lower than that of conventional loans

  • VA loans allow for a higher debt to income ratio

  • VA loans provide borrowers with the opportunity to purchase when their credit does not allow them to qualify for a conventional loan

  • VA loans provide a shorter timeframe for approval after a short sale, foreclosure or bankruptcy, just 2 years

  • VA eligibility never expires

  • No VA funding fee for Veterans receiving at least 10% VA disability 

  • VA loans provide borrowers with the opportunity to purchase when their credit does not allow them to qualify for a conventional loan.                             

VA loan requirements:

  • The property must be owner-occupied

  • Buyers must income and credit qualify

  • Requires Section 1 and Section 2 termite clearances

  • Condos must be VA approved, contact me to verify approval