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

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!

John and the team are amazing!

My husband and I just got keys to our beautiful new home all thanks to John. I can’t speak highly enough of him as he and his team have exceed all of our expectations! John is very personable and will take the time to talk with you about your loan, answer any questions and break down and detail out all of the components of the loan so that you fully understand it. He has done that with me on several occasions throughout this process. John is honest, knows his stuff, extremely proactive and a man of his word. Our home situation was tough because we bought a new build which took much longer than what we had expected so John made sure we could close escrow and Fund the loan as soon as possible and he delivered. Again John and his team (Aveelyn) in particular are phenomenal professionals who you can trust and be certain that they will deliver what they promised. I will never use another lender and I highly recommend John and his team. God bless you John! You rock :)

I've always loved the song "Closing Tiiiime"!

There was never a doubt that my realtor would deliver, but when he linked us up with John and his team I was beyond thankful to work with such an attentive and knowledgeable group. They were all very professional, yet had a comforting way about them which made airing out my life's business and finances out to complete strangers simple. Being a first time home buyer (me completely ignorant to the process) our many questions were happily answered, clears, and with rapid turnaround time. He even sent us this video of him explaining a closing costs breakdown; it walked us through thoroughly in just a few minutes, whereas if I looked at that document on my own I would have just seen a compilation of random numbers and headings. We would absolutely recommend John and his team to friends and family; the process was smooth as butter and couldn't be happier! Thanks John!

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.

First Name
Last Name
Email
Phone
Best time to call

Thank you!

Thank you for reaching out. A member from our team will be in contact with you shortly. In the meantime, take a moment to read what our clients are saying about us.

We use cookies to enhance your browsing experience and deliver our services. By continuing to visit this site, you agree to our use of cookies.