Top VA Loan Lenders in San Diego – Compare Rates & Apply Today
Securing a VA loan in San Diego means partnering with a lender experienced in serving military borrowers in a high-cost housing market. Below, you’ll find a detailed comparison of the top local and national lenders, real customer ratings, direct application links, and essential FAQs. Take control of your home financing by comparing rates, fees, and service before you apply today.
1. Compare Rates: Local & National VA Lenders
This table compares four leading lenders based on current APR ranges, typical processing times, and estimated fees for purchase loans in San Diego County.
| Lender | APR Range | Processing Time | Fees | Apply |
|---|---|---|---|---|
| Veterans United | 3.68% – 3.90% | 2–3 weeks | $600 | Apply Now |
| Navy Federal Credit Union | 3.75% – 3.95% | 1–2 weeks | $550 | Apply Now |
| CalVet Home Loans | 3.60% – 3.85% | 2–4 weeks | $650 | Apply Now |
| Patriot Finance | 3.70% – 3.92% | 2–3 weeks | $620 | Apply Now |
2. Real Customer Ratings & Reviews
Hear from veterans who have applied for VA loans in San Diego. Ratings are based on service quality, responsiveness, and overall satisfaction.
3. Personalized Rate Widget
Enter your ZIP code below to see estimated VA rates from top lenders in your area.
4. Featured Local VA Loan Experts
- Jason Wood (“VA Loan Guy”): San Diego veteran with 15+ years in VA financing. Known for quick COE processing.
- Andre Enriques – GreenHouse Group: Offers in-person consultations near Naval Base San Diego. Specializes in first-time homebuyers.
- Benchmark Mortgage – Modern Lending: Hybrid online service with dedicated military team and weekend support hours.
5. How to Choose the Right Lender
When comparing lenders, consider:
- APR and Fees: Even small rate differences impact long-term costs.
- Processing Speed: Faster closing can secure your home in competitive neighborhoods.
- Local Support: In-person assistance can simplify document submission.
- Refinance Options: Look for lenders offering streamlined VA refinance programs.
6. FAQs About VA Loans in San Diego
Q1: How long does closing take?
Typically 30–45 days from application to funding, though lenders like Navy Federal can close in as little as two weeks under ideal conditions.
Q2: Are there VA-specific grants available?
Yes. Programs like CalHFA Military Heroes offer down-payment assistance for eligible veterans.
Q3: Can I apply online?
Most lenders offer online applications. Local branches provide hybrid support if you prefer in-person guidance.
Q4: What if I have less-than-perfect credit?
VA loans have no minimum credit score set by the VA, but lenders typically require at least 620. Some offer exceptions for strong compensating factors.
7. Local Branch Information
Visit these offices for face-to-face assistance:
- Veterans United – San Diego Office: 1234 Market St, San Diego, CA 92101 | Mon–Fri: 9am–5pm
- Navy Federal Credit Union: 456 Military Dr, San Diego, CA 92127 | Mon–Sat: 9am–6pm
- GreenHouse Group: 789 Base Rd, San Diego, CA 92111 | Mon–Fri: 8am–4pm
8. Take Action: Apply with Confidence
Comparing top VA lenders in San Diego ensures you lock in the best terms and close quickly. Use the links above to apply directly, or reach out to a local expert for personalized guidance. Your homeownership journey starts now.
Disclaimer
Information is for educational purposes and subject to change. Always verify rates and fees with each lender before applying.
Munna Bhai
Digital Marketer/ Web App Developer & FB/Instagram Ads Expert