Helping thousands of homeowners purchase and refinance since 1996


What is a VA loan?

A VA Loan is a mortgage loan available to United States Veterans.  These loans are guaranteed by the U.S. Department of Veterans Affairs (VA).  These loans can only be issued by qualified lenders.  The program was designed to offer mortgage financing to eligible American veterans or their surviving spouses.  The program was originally authorized by congress in 1944.  Since inception, the program has helped over 18 million Veterans purchase or refinance a home.

Oceanside Mortgage is proud to offer VA loans to the men and women who bravely served our country.  Helping Veterans to purchase or refinance a home is one of the most rewarding things we do as a company.  We believe in giving back to our Veterans in any way we can.  We try to offer the nation’s service members the lowest rates we possibly can, while not charging any unnecessary points and fees.

The VA offers three programs:

VA Purchase Loan – This loan allows eligible Veterans to buy a home with $0 down

VA Cash Out Refinance Loan – This loan allows Veterans to take equity out of their property to use as they see fit

VA Interest Rate Reduction Refinance Loan (VA IRRRL) – This loan allows Veterans already in VA loans to lower their interest rate without having to re-qualify for a new loan.