VA Loans in San Jose, CA
VA loans are mortgage benefits for veterans, active-duty service members, and eligible surviving spouses — no down payment and no PMI.
About VA loans
What this loan type means for San Jose buyers.
Veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI.
Borrowers in San Jose, California can use VA financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who VA loans are for in San Jose.
VA loans are a benefit earned by veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and eligible surviving spouses. They allow $0 down on a primary residence with no monthly mortgage insurance — typically the lowest-payment option for those who qualify.
