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CalVet Home Loans

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If you’re ready to buy a home, CalVet is here to meet your home financing needs! You will find many features and benefits with a CalVet loan that will save you money and help protect your investment for your family.

We offer competitive market interest rates with low or no down payment that increase your purchasing power and keep your payment down. We have expanded eligibility so that nearly any veteran wanting to buy a home in California is eligible. You may use the menu on the right hand side of this page to get detailed information about the CalVet Home Loan program.

Information on non-conventional loans

The California Department of Veterans Affairs and its CalVet Home Loan program is committed to helping veterans and active duty personnel attain the American Dream of home ownership and while we currently don’t have the legal authority to refinance homeowners who are in difficult situations, we are exploring possible legislative solutions. In the mean time if you need assistance you can call or access the following websites:
•The “HOPE Hotline” (1-888-995-HOPE or www.995HOPE.org), which provides free mortgage counseling 24 hours a day, seven days a week.
•A website with helpful information for prospective homebuyers, as well as homeowners who are experiencing difficulty in keeping payments current: www.yourhome.ca.gov and the Spanish language version: www.sucasa.ca.gov.

For those service members who find themselves in a difficult situation as a result of a non-conventional loan or because of activation and deployment, there are certain protections within state and federal law that could help you including:
•The Service members Civil Relief Act of 2003 (SCRA) formerly known as the Soldiers’ and Sailors’ Civil Relief Act of 1940 (SSCRA) is a federal law that gives all military members some important rights as they enter active duty or are called to deployment.
•One benefit of the SCRA is the ability to reduce your mortgage interest rate to 6% under certain circumstances.
•The California Military Families Financial Relief Act allows for the deferral of mortgage payments for members of the reserves or National Guard who are called to active duty.

If you need assistance please contact the CalVet Customer Services Unit at (800) 952- 5626 (toll free) or (916)503-8362 or email us at loanserv@calvet.ca.gov.