VA Purchase Loan in California
Buy a Home with Zero Down — Backed by the CEO of a National Mortgage Lender
At California Mortgage Direct, we specialize in helping California veterans, active-duty military, and eligible spouses purchase homes using their well-earned VA loan benefit. What sets us apart? You’ll work directly with Joseph S. Restivo, the President & CEO of American Mortgage Network — not a call center or junior loan officer.
With 25+ years of mortgage experience, Joseph personally originates every VA purchase loan. No middlemen. No delays. Just direct, honest guidance from the top.
✅ What Is a VA Purchase Loan?
The VA purchase loan is a government-backed mortgage program that allows eligible military borrowers to buy a home with no down payment and no private mortgage insurance (PMI).
It’s one of the most powerful — and most underutilized — benefits available to veterans and active-duty service members.
💥 Key Benefits of a VA Purchase Loan
- 0% Down Payment – Buy with no money out of pocket
- No PMI – Save hundreds monthly compared to conventional loans
- Flexible Credit Guidelines – Designed to support your service
- Lower Interest Rates – VA rates are among the lowest in the market
- No Loan Limits (2025) – Buy above $1M+ with full entitlement
- No Prepayment Penalty – Pay off early with no fees
- Assumable Loans – Transfer your low VA rate to a qualified buyer
- Close with Confidence – CEO-led service from pre-approval to keys
🗺️ Where Can You Use Your VA Loan in California?
Everywhere. VA loans can be used in all 58 California counties, including:
Los Angeles | San Diego | Riverside | Orange County | San Francisco | Sacramento | Ventura | Fresno | Bakersfield | San Bernardino | and more
🧾 VA Loan Eligibility Overview
You may qualify for a VA loan if you are:
- A Veteran with sufficient service history
- An Active-Duty Service Member (usually 90 days+ service)
- A member of the National Guard or Reserves
- An Eligible Surviving Spouse
- Able to provide a valid Certificate of Eligibility (COE)
Not sure if you qualify? Joseph can help confirm your status in minutes.
🧑✈️ Why Work with California Mortgage Direct?
| Feature | What You Get |
|---|---|
| 🧑✈️ Work Directly with the CEO | Joseph S. Restivo personally originates your VA loan |
| 🛡 Trusted Veteran Advocate | Deep knowledge of VA lending and service-related nuances |
| 📍 California-Based, Statewide Reach | We close VA loans in all 58 counties |
| ⚡ Fast Pre-Approvals | Same-day approvals backed by the CEO |
| 🧠 25+ Years Experience | Veteran-focused lending with expert guidance |
💬 Real Feedback from Our Veterans
“I’ve worked with banks and brokers, but this was the first time I worked directly with a CEO. Joseph took care of my VA loan like I was family — and we closed early!”
— Miguel H., USMC Retired, Riverside, CA
“The VA loan process was smooth, fast, and completely stress-free. Joseph made everything clear from the start.”
— Angela R., Navy Spouse, San Diego
📞 Ready to Use Your VA Benefit?
Apply today or schedule a quick call with Joseph to start your VA purchase journey.