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VA-to-Conventional Refinance

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VA-to-Conventional Refinance in California

Transition Out of the VA Loan Program — With CEO-Level Strategy and Support


If you’re a veteran or military family who already used your VA loan benefit and now wants to transition into a conventional mortgage, you’re in the right place.

At California Mortgage Direct, we help eligible homeowners refinance out of their VA loan into a conventional loan — often to remove a co-borrower, free up VA entitlement, or eliminate VA-related restrictions. And best of all? You’ll work directly with Joseph S. Restivo, President & CEO of American Mortgage Network, from day one.


✅ What Is a VA-to-Conventional Refinance?

A VA-to-Conventional Refinance allows homeowners to refinance an existing VA mortgage into a conventional loan structure. This move can open up new benefits, provide long-term flexibility, and restore full VA loan entitlement for future use.

This option is ideal for:

  • Veterans planning to buy another home with their VA benefit
  • Homeowners who want to remove a co-borrower (such as an ex-spouse)
  • Borrowers who want to stop paying the VA funding fee in future refinances
  • Those seeking jumbo-level or investment financing not allowed under VA
  • Homeowners who’ve built 20%+ equity and want to eliminate PMI

💥 Key Benefits of VA-to-Conventional Refinance

  • Restore full VA loan entitlement for future use
  • Remove VA occupancy or primary residence restrictions
  • Eliminate VA funding fees on future loans
  • Remove a spouse or co-borrower post-divorce
  • Cancel mortgage insurance if equity exceeds 20%
  • Access conventional loan options with new flexibility

🔁 Common Scenarios We Help With

  • 🔓 Post-Divorce Refinance — Remove a former spouse or partner from the mortgage
  • 🔄 Buy Again with Your VA Loan — Free up your VA entitlement for a second home
  • 💡 Long-Term Planning — Move into a flexible conventional loan with more refinance options
  • 🏡 Switch to Investment Property — A conventional loan allows converting the home into a rental

🧾 What You’ll Need to Qualify

To refinance into a conventional loan, you’ll generally need:

  • Minimum 620–640 credit score
  • Verifiable income
  • At least 5–20% home equity
  • Acceptable debt-to-income (DTI) ratio
  • Clean mortgage payment history

Joseph will walk you through all the numbers and let you know exactly what’s possible — no pressure and no sales pitch.


🧑‍✈️ Why Work with California Mortgage Direct?

FeatureWhat You Get
👨‍✈️ CEO-Level ExpertiseYour refinance is handled personally by Joseph S. Restivo
🔁 Custom StrategyEvery scenario is structured with precision and care
📍 California Statewide LendingAll 58 counties covered
📊 Equity Review & Refinance AnalysisKnow your numbers before you commit
💬 No Scripts or MiddlemenJust honest advice from the CEO of a national lender

💬 What Clients Are Saying

“Joseph helped me remove my ex from the mortgage and refinance into a conventional loan with no drama. I now have full control and my VA benefit restored. He’s the real deal.”
Thomas J., Army Vet, Sacramento, CA

“We wanted to keep our home but use the VA loan again for a new purchase. Joseph structured the perfect VA-to-conventional refinance so we could do both.”
Brandon & Alicia T., USMC Family, Orange County


🔐 Refinance with Flexibility and Purpose

Your VA loan served you well — now let’s move forward with clarity and confidence using a conventional structure.

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