VA Home Loan

Our entire team at J&J Coastal Lending would like to sincerely thank you, and your family, for your service. One of the benefits you have earned for so honorably serving our country is a VA Home Loan. A few of the details on how this loan works are outlined below.

VA Home Loan

Are you are a veteran, member of the military or military spouse?  If so you may qualify for a VA loan.  VA Loans offer flexible options as either fixed-rate or ARM mortgages.  You may qualify for fast approval and a hassle-free loan even with less than perfect credit.  

  • Buy a home with NO money down, when it will be your primary residence.
  • There is NO monthly mortgage insurance (PMI or Private Mortgage Insurance).
  • Terms available are 30, 20 & 15-year fixed-rate and 5-year ARM loans available.
  • Jumbo VA loans available. ($1,000,000+)
  • Refinance up to 100% of your primary home’s value.
  • VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans.
  • VA loans are governed by the U.S. Department of Veterans Affairs

How Does It Work?



100% Financing 

You can put $0 down, AND refinance up to 100%! 


Many Loan Options 

With the ability to do fixed rate, ARM, or jumbo loan programs.


No Pre-Payment Penalty

Pay your mortgage at any time!

Client Testimonials

You always feel as if you are his #1 customer

John Soricelli is masterful at his craft. He is personable, responsive, and always positive throughout the entire process. He completely takes the stress out of the process and you always feel as if you are his #1 customer. Most importantly, John always seems to find the most competitive rates. My first and only phone call is to John Soricelli when it comes to buying or refinancing a home!

I can ensure you, you are making the right decision if you choose them

I highly recommend John and his team at J&J Coastal Lending. From the very beginning, John stood out amongst many other competitors we spoke to when we were looking for a lender to purchase our home. Without much to go on, we decided to trust in John and are so thankful and pleased that we made the right decision. John is extremely responsive and detail oriented. He is very thorough in walking you through each step of the loan process and uses technology to enhance the experience and make everything seamless for the customer. John and his team are supper trustworthy and I can ensure you, you are making the right decision if you choose them.

As a first time home buyer, John and his staff made the process very easy!

As a first time home buyer, John and his staff made the process very easy. He took the time to break down every detail and answer any questions we had to ensure that we understood everything going on with the loan. I truly appreciated how professional and friendly he was through out the whole process. I definitely will be going back to John in the future and a highly recommend J&J Lending to anyone buying a home or looking to refinance!

Ready to get started?

Fill out this form to get in contact with a member from our team. Or call us directly at (949) 478-3863.

You can also start your application by clicking here.

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