California VA Home Loans — Work Directly with the CEO
California VA Home Loans — No Call Center. Just the CEO.
If you’re a U.S. Veteran, active-duty military, reservist, or eligible surviving spouse looking to buy or refinance a home in California, California Mortgage Direct makes it simple.
We offer VA loans in all 58 counties and direct access to the CEO, Joseph S. Restivo, a top-producing mortgage executive and President & CEO of American Mortgage Network.
When you choose us, you’re not just applying for a VA loan — you’re working directly with the decision-maker at the top of the lending chain.
⭐ Why Choose a VA Loan?
Backed by the U.S. Department of Veterans Affairs (VA), these loans are one of the most powerful mortgage options available.
Key VA Loan Benefits:
- ✅ 0% Down Payment Required
- ✅ No Private Mortgage Insurance (PMI)
- ✅ Lower Interest Rates
- ✅ Flexible Credit Guidelines
- ✅ No Loan Limits in California (2025 update)
- ✅ Use Your VA Loan Multiple Times
- ✅ Available for Purchases, Refinances & Cash-Out
📍 VA Loan Eligibility in California
You may be eligible for a VA loan if you are:
- A Veteran, active-duty service member, National Guard, or Reservist
- An eligible surviving spouse
- Have a valid Certificate of Eligibility (COE)
- Meet basic credit and income requirements
Need help confirming your eligibility?
👉 [Request a Free VA Eligibility Review]
📊 2025 California VA Loan Limits (Spoiler: There Aren’t Any)
Since the 2020 Blue Water Navy Act, VA loans no longer have county loan limits for eligible borrowers with full entitlement. That means you can buy multi-million dollar homes in places like Los Angeles, San Diego, San Francisco, Orange County, or Sacramento — all with zero down (as long as you qualify).
Example:
Buy a $1,250,000 home in Orange County →
✅ 0% Down
✅ No PMI
✅ Lower monthly payment than most Conventional Loans
🔁 VA Refinance Options in California
We also offer the full range of VA refinance programs:
| Refinance Type | Description |
|---|---|
| VA IRRRL (Interest Rate Reduction Refinance Loan) | A fast, no-appraisal refinance to lower your interest rate |
| VA Cash-Out Refinance | Convert home equity into cash for debt consolidation, upgrades, or investments |
| VA-to-Conventional Refinance | Want to remove VA benefits from your property? We can help |
📍 We Serve Every County in California
Whether you’re buying near a base or in a remote California county, we’ve got you covered:
✅ San Diego VA Loans
✅ Los Angeles VA Loans
✅ Sacramento VA Loans
✅ Riverside VA Loans
✅ Orange County VA Loans
✅ San Francisco VA Loans
✅ Central Valley & Rural CA VA Loans
👨✈️ Work with the CEO, Not a Call Center
Joseph S. Restivo, NMLS #262845, is the President & CEO of American Mortgage Network, a nationally respected direct lender. He personally handles VA loans through California Mortgage Direct because he believes in honoring those who served.
“Veterans shouldn’t be passed around a call center or stuck with non VA Loan specialists. They deserve the best — and that’s why I originate VA loans myself.”
— Joseph S. Restivo, CEO
💬 What Our Veteran Clients Say
“Joseph helped me buy a home in San Diego with zero down and locked in a rate I didn’t think was possible. And yes — I actually worked directly with the CEO!”
— Mike T., USMC Ret., San Diego
“I refinanced through California Mortgage Direct and saved over $500/month on my VA loan. Joseph made the whole process seamless.”
— Angela R., Navy Spouse, Sacramento
🔒 Start Your VA Loan with Confidence
Whether you’re buying your first home, relocating to California, or refinancing to save money, our VA loan experts are ready to serve you — led by our CEO himself.
✅ Apply Online
✅ Free VA Eligibility Review
✅ Talk to the CEO Today