VA Loans for Surviving Spouses in California
Honoring Their Service. Protecting Your Homeownership Journey.
If you are the surviving spouse of a veteran, you may be eligible for a VA home loan benefit — including no down payment, no PMI, and lower interest rates.
At California Mortgage Direct, we understand that buying or refinancing a home as a surviving spouse isn’t just a financial decision — it’s deeply personal. That’s why you’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network, who personally handles all VA loan requests with the dignity and clarity you deserve.
✅ What Is a VA Loan for Surviving Spouses?
The VA loan program offers mortgage benefits to eligible surviving spouses of veterans who:
- Died in service or from a service-connected disability
- Were declared missing in action (MIA) or prisoners of war (POW)
- Were totally disabled and later passed, even if the death wasn’t directly service-connected
- Were rated as permanently and totally disabled at the time of death
If eligible, you can purchase a home or refinance an existing mortgage with all the benefits of a standard VA loan — even if your spouse never used their entitlement.
💥 Benefits of VA Loans for Surviving Spouses
- ✅ No down payment required
- ✅ No private mortgage insurance (PMI)
- ✅ Competitive, low VA interest rates
- ✅ Easier credit and income qualification
- ✅ No VA funding fee for surviving spouses (a huge savings)
- ✅ Use for purchase or refinance across all of California
🏠 What Can You Use It For?
- Buy your first home or a new home after loss
- Refinance your current home into a lower rate or more manageable loan
- Access your VA entitlement even if you’ve never used it before
- Stay financially stable with a loan built for your long-term peace of mind
🧾 Do You Qualify?
We’ll help you determine your eligibility based on:
- Your marital and service history
- Your spouse’s military discharge status
- Documentation like the Certificate of Eligibility (COE) — which we can help you obtain
Joseph will personally guide you through every step — no pressure, no sales pitch, and no obligation to move forward until you’re ready.
🧑✈️ Why Choose California Mortgage Direct?
| Feature | What You Get |
|---|---|
| ❤️ Compassionate, CEO-Level Support | Joseph S. Restivo personally handles all surviving spouse loans |
| 🧠 25+ Years of Experience | A trusted advisor through sensitive life transitions |
| 🛡 Veteran-Focused Lending | Deep understanding of military service and sacrifice |
| 📍 Licensed Statewide | We serve surviving spouses in all 58 California counties |
| 💬 Personal. Respectful. Private. | You’ll always speak directly with Joseph, not a call center |
💬 What Clients Say
“After losing my husband, I didn’t know what was possible. Joseph explained every option clearly and gave me space to move forward when I was ready. I now own a home in his honor.”
— Laura D., Surviving Spouse, Bakersfield, CA
“No one treated me like a number. Joseph listened, explained, and helped me secure a beautiful home for me and my kids — with zero down.”
— Jasmine M., San Diego
🔒 You’re Not Alone — Let’s Honor Their Legacy Together
If your spouse served, you deserve a trusted path to homeownership. We’re here to serve you with honesty, compassion, and expertise.