Zero down payment. No mortgage insurance. Built for those who've served — in Vacaville, Travis AFB, and across Solano County.
If you're active military, a veteran, or a qualifying surviving spouse, the VA loan program is one of the strongest home financing benefits available. Pacific Community Lender works with families stationed at Travis AFB and veterans throughout Solano County to put this benefit to work — whether you're buying your first home or your fifth.
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible service members, veterans, and surviving spouses. The VA doesn't lend the money directly — they guarantee a portion of the loan, which lets approved lenders like PCL offer terms you simply can't get elsewhere.
Zero down payment required (in most cases)
No private mortgage insurance (PMI) — ever
Competitive interest rates built into the program structure
Limited closing costs — VA caps what you can be charged
No prepayment penalties — pay off early without fees
Reusable benefit — use it again on future homes
You may be eligible if you are:
Active-duty military with at least 90 continuous days of service
Veteran with qualifying service (typically 90+ days during wartime, 181+ during peacetime, or 6+ years in National Guard/Reserves)
Surviving spouse of a service member who died in the line of duty or from a service-connected disability
National Guard or Reserves member meeting service requirements
Eligibility is confirmed through a Certificate of Eligibility (COE) — we help you obtain it as part of the loan process if you don't already have one.
For VA borrowers with full entitlement, there is no maximum loan limit — you can borrow as much as your income and credit support, with zero down.
For borrowers with partial entitlement (used VA benefit before and still have an active VA loan, or had a previous VA foreclosure), the conforming loan limit applies. In Solano County for 2026, that's $1,209,750 for a single-family home.
Full Entitlement
No Limit
Borrow based on income & credit
Partial Entitlement (Solano Co.)
$1,209,750
2026 conforming limit
Quick application, soft credit pull, and a pre-approval letter you can use to make offers.
We help you pull your COE through the VA portal if you don't already have it.
Shop with confidence, knowing the VA's appraisal standards apply — some properties don't qualify, and we'll guide you.
Once you're under contract, we move fast. Most VA loans close in 30–40 days.
A VA-certified appraiser evaluates the property; we coordinate the rest.
Sign the documents, get the keys.
The VA charges a one-time funding fee that helps keep the program running for future veterans. It's typically rolled into the loan so you don't pay it out of pocket.
| Use | Down Payment | Funding Fee |
|---|---|---|
| First-time use | 0% | 2.15% |
| First-time use | 5%+ | 1.50% |
| First-time use | 10%+ | 1.25% |
| Subsequent use | 0% | 3.30% |
| IRRRL (refinance) | N/A | 0.50% |
You receive VA disability compensation
You're a surviving spouse receiving Dependency and Indemnity Compensation (DIC)
You're an active-duty Purple Heart recipient
| Feature | VA Loan | Conventional Loan |
|---|---|---|
| Down payment | 0% | 3% (1st-time) or 5% standard |
| Mortgage insurance | None | Required if <20% down (PMI) |
| Min. credit score | Typically 620 | 620 |
| Funding fee | 1.25–3.30% (often financed) | None |
| Best for | Eligible veterans & active military | Strong credit, larger down payment |
No down payment is required, but you can put money down if you want to reduce the funding fee or lower your monthly payment.
Yes. The VA loan benefit is reusable. We can walk you through your remaining entitlement and how it affects your options.
It's the document the VA issues confirming you qualify for the benefit. We help you obtain it through the VA portal during the loan process — you don't need to track it down on your own.
No. VA loans are for primary residences only — you must intend to live in the home.
VA loans are often more flexible than conventional loans on past credit events. There are standard waiting periods, but we'll review your specific situation and tell you exactly where you stand.
No, but the seller can contribute up to 4% of the loan amount toward closing costs, which can include the funding fee.
PCL typically issues pre-approval letters within 24 hours of receiving your application and documents.
Local Vacaville team familiar with Travis AFB and Solano County housing
NMLS #1322440 — fully licensed California mortgage broker
5.0 stars on Google (36 reviews and growing)
Family-owned since 2016 — straight talk, no pressure
We work with multiple VA-approved lenders to find the right fit
Experience with PCS moves, deployment timing, and military lending nuances
No obligation. No hard credit pull. Just honest answers.
Pacific Community Lender, Inc. NMLS #1322440. Equal Housing Opportunity. All loans subject to credit approval. Rates and terms vary based on borrower qualifications, loan amount, property type, and other factors. This is not a commitment to lend. Information provided is for general informational purposes only and does not constitute financial advice.