Understanding Your VA Loan Options in San Diego
Purchase, streamline refinance, or cash-out — VA loan programs each work differently. Rudy Flores breaks down the options in plain English and connects you with a VA-approved lender to handle the rest.
(619) 392-6714Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Rodrigo Ballon with CrossCountry Mortgage, at 858-735-0255. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
Four Ways the VA Benefit Gets Used
General overview only — your VA-approved lender confirms exact terms and eligibility.
VA Purchase Loan
The core benefit — often $0 down and no PMI, for buying a primary residence.
VA Streamline Refinance (IRRRL)
For veterans who already have a VA loan — often a simpler path to a lower rate, with reduced documentation in many cases.
VA Cash-Out Refinance
Tap into home equity — available to qualifying veterans, whether your current loan is VA or conventional.
Funding Fee & Exemptions
Most VA loans include a funding fee — but veterans with a qualifying service-connected disability rating are often exempt. Your lender confirms your status.
Rudy Flores
Real Estate Strategist, Realtor®, Coldwell Banker West
Rudy Flores isn't a loan officer — he's a real estate agent who's worked alongside VA-approved lenders for years, backed by the Patti & Jeff McKelvey Team's 40 years of San Diego real estate experience. He can point you toward the right VA loan conversation and handle the real estate side once your financing is lined up.
Read Patti’s book. Real Estate Magic: How a Real Estate Rock Star Helped 6,000 Families Attain the American Dream is available free through Amazon Kindle and in paperback. Get Patti McKelvey’s book on Amazon
Let's Talk Through Your Options
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VA loan program terms, rates, and eligibility are set by the U.S. Department of Veterans Affairs and individual lenders, and change over time. This site provides general information only — always confirm current requirements and pricing with a VA-approved lender.