VA Jumbo Loan in California
Buy Big with Zero Down — VA Benefits with No Limits, Backed by the CEO
If you’re a veteran or active-duty service member looking to buy a high-cost home in California, the VA Jumbo Loan lets you go big — without a big down payment.
At California Mortgage Direct, we make the VA Jumbo Loan simple, fast, and personal. You’ll work directly with Joseph S. Restivo, President & CEO of American Mortgage Network, who personally originates every VA jumbo loan we close.
No layers. No brokers. Just white-glove support from one of the nation’s top mortgage executives.
✅ What Is a VA Jumbo Loan?
A VA Jumbo Loan is a VA-backed home loan above the conventional conforming limit (currently $766,550 in most counties for 2025). With full VA entitlement, you can now buy multi-million dollar properties with zero down, depending on your qualifications.
This is ideal for high-cost California areas like Los Angeles, San Diego, Orange County, San Francisco, and the Bay Area — where homes regularly exceed conforming loan limits.
💥 Key Benefits of a VA Jumbo Loan
- ✅ 0% Down on homes well over $1M (with full entitlement)
- ✅ No PMI — even at high loan amounts
- ✅ Lower interest rates than conventional jumbo loans
- ✅ Flexible DTI and credit requirements
- ✅ No county loan limits with full entitlement (post-2020)
- ✅ Backed by the VA — structured by the CEO
- ✅ Assumable mortgage — pass your low rate to a qualified buyer
📊 Example: What Can You Buy with a VA Jumbo Loan?
| Location | Home Price | Down Payment |
|---|---|---|
| San Diego, CA | $1,150,000 | $0 |
| Orange County, CA | $1,300,000 | $0 |
| San Francisco, CA | $1,750,000 | $0–$20K (depending on entitlement & approval) |
| Los Angeles, CA | $1,400,000 | $0 |
Actual qualification depends on income, credit, and entitlement status. We’ll walk you through every detail.
🧾 Who Qualifies for a VA Jumbo Loan?
To qualify, you must:
- Be a Veteran, Active-Duty Military, Reservist, or Surviving Spouse
- Have full VA entitlement (no prior VA loan currently in use)
- Meet VA income, credit, and DTI guidelines
- Plan to occupy the home as your primary residence
- Provide a Certificate of Eligibility (COE)
Joseph can confirm your entitlement status and help you strategize a jumbo loan approval quickly.
🧑✈️ Why Choose California Mortgage Direct?
| Why It Matters | What You Get |
|---|---|
| 🧑✈️ CEO-Originated | Work directly with Joseph S. Restivo, not a sales team |
| 📍 California Expertise | We fund jumbo VA loans in all 58 counties |
| 💼 National Direct Lender | Backed by American Mortgage Network (NMLS #1841) |
| 📈 High Approval Rates | Smart structuring by a CEO with 25+ years of experience |
| 🧠 Strategic Guidance | Transparent numbers. No guesswork. No pressure. |
💬 What Our Jumbo VA Clients Are Saying
“We bought a $1.3M home in Orange County with zero down. Everyone told us it wasn’t possible — but Joseph got it done in 21 days.”
— James R., USMC Veteran
“Joseph personally walked us through our VA jumbo refinance. He made it feel easy and answered every question himself. We never felt rushed or lost.”
— Sarah & Matt T., Navy Family, San Diego
🔐 Let’s Get You Home — Without Limits
You’ve earned the benefit. Now let’s put it to work for your California dream home.