VA Loans · California

VA Loans in California — $0 Down, No PMI.

Whether you're stationed at Camp Pendleton, separating near Los Angeles, or a veteran buying in San Francisco — Sean Shallis is a U.S. Army Veteran and VA loan specialist licensed nationwide.

$0 down. No PMI. No minimum credit score. Loans originated through U.S. Bank.

Check My VA Rate Book Strategy Call

90-second rate check No credit impact Free forever

VA Lending in California

California veterans deserve a lender who served too.

Sean Shallis is a U.S. Army Veteran, VA loan specialist, and Senior Loan Officer with U.S. Bank. With 30+ years of mortgage expertise and over $1B in closed transactions, he knows how to maximize your VA benefit — whether you're buying your first home, refinancing with an IRRRL, or building from the ground up.

Serving veterans near Camp Pendleton, Fort Irwin, and 3 more California installations. Sean handles everything — COE retrieval, entitlement restoration, funding fee exemption verification — so you can focus on finding your home.

Talk to Rosie

Tell Rosie about your California home search, refinance, or IRRRL. 90 seconds, no forms, no credit impact.

Rosie Watches

Rosie monitors California VA rates multiple times a day. She knows your entitlement status and alerts you when savings windows open.

Sean Closes It

When the window opens, Sean calls you personally. Veteran to veteran. One phone call. White glove. Loans originated through U.S. Bank.

Active Duty in California

Stationed at Camp Pendleton? PCSing soon? Lock in your rate and close before you move.

Separated & Retired Veterans

Living in Los Angeles or San Francisco? Your VA benefit never expires. Use it again — zero down.

VA IRRRL Refinance

Already have a VA loan in California? The IRRRL streamline lets you drop your rate with minimal paperwork and no appraisal.

VA Construction Loans

Building in California? Single-close construction-to-permanent. Zero down. No PMI. One closing.

Down Payment

100% financing — no down payment required

PMI — Ever

No private mortgage insurance at any LTV

None

Min. Credit Score

No VA-mandated minimum credit score

Prepayment Penalty

Pay off early with zero penalty

Sean + U.S. Bank vs. California VA Lenders

Most California lenders process VA loans. Sean strategizes them — veteran to veteran.

Feature

Sean + U.S. Bank

Typical CA Lender

Portfolio lender (keeps your loan)

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AI rate monitoring (Rosie)

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Veteran-to-veteran relationship

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Construction-to-perm with VA

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Physician + VA combination programs

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Free rate renegotiation before funding

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Loan recasting for $250

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Available nationwide

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Serving Veterans Across California

Sean works with veterans near every California military installation and VA facility.

Camp Pendleton

VA loans available for service members and veterans near Camp Pendleton.

Fort Irwin

VA loans available for service members and veterans near Fort Irwin.

Edwards AFB

VA loans available for service members and veterans near Edwards AFB.

Naval Base San Diego

VA loans available for service members and veterans near Naval Base San Diego.

Travis AFB

VA loans available for service members and veterans near Travis AFB.

VA Greater Los Angeles

Veterans receiving care here may qualify for disability-related funding fee exemptions.

VA San Diego

Veterans receiving care here may qualify for disability-related funding fee exemptions.

San Francisco VA

Veterans receiving care here may qualify for disability-related funding fee exemptions.

VA Palo Alto

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Los Angeles, CA

VA home loans available for veterans buying or refinancing in Los Angeles.

San Francisco, CA

VA home loans available for veterans buying or refinancing in San Francisco.

San Diego, CA

VA home loans available for veterans buying or refinancing in San Diego.

Sacramento, CA

VA home loans available for veterans buying or refinancing in Sacramento.

VA Loan FAQ — California

Who is eligible for a VA loan in California?

Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses. If you served at Camp Pendleton or anywhere else, your benefit works nationwide. Sean can pull your COE electronically in minutes.

How do I get my Certificate of Eligibility (COE)?

You don't need to request it yourself. Sean pulls your COE electronically through the VA's system as part of the process. It takes minutes, not weeks. He'll also verify your entitlement amount and any funding fee exemptions.

Can I use my VA loan benefit more than once in California?

Yes. There's no limit to how many times you can use your VA benefit. You can even have two VA loans simultaneously if you have remaining entitlement. Sean specializes in helping California veterans restore and strategically reuse their entitlement.

What is the VA funding fee and can I avoid it?

The funding fee is a one-time charge (1.25%–3.3%) that can be rolled into your loan. Veterans with a service-connected disability rating of 10% or more are fully exempt. Sean verifies your exemption status upfront — if you're receiving care at a VA medical center for a service-connected condition, you likely qualify.

I'm a veteran AND a physician. Can I combine benefits?

Absolutely — this is Sean's specialty. As both a VA loan specialist and physician lender, he structures loans that leverage both benefits. Veteran physicians often get better rates, higher limits, and more flexible terms than either program alone.

What is the VA IRRRL and can I use it in California?

The IRRRL (Interest Rate Reduction Refinance Loan) lets you refinance your existing VA loan with minimal paperwork, no appraisal, and often no out-of-pocket costs. If you have a VA loan in California, Rosie monitors your rate daily and alerts you the moment an IRRRL saves you money.

Can I build a home in California with a VA loan?

Yes. U.S. Bank offers VA construction-to-permanent loans in California — a single close that covers your build and converts to your permanent VA mortgage. Zero down, no PMI, one closing. Sean has guided dozens of veterans through new construction.

Ready to use your VA benefit in California?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean — veteran to veteran.

Check My VA Rate Book Strategy Call

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