California VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes, all in one place.
Downloadable PDFs
- The CA VA Loan Playbook: 30+ page guide to using VA financing in California. Covers eligibility, calculations, CA-specific advantages (CA disabled Veteran tax exemption, Down Payment Assistance (DPA)), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
Calculators (8 total)
- BAH → Purchase Price: base + rank → max CA home price with CA summer utility reality
- Funding Fee Calculator: first use vs subsequent + disability waiver
- PITI Payment Calculator: full monthly with CA county property tax + insurance + HOA
- Max $0-Down Purchase Calculator: income → max VA home price at 41% DTI guideline
- CA disabled Veteran tax exemption Tax Savings Calculator: disabled Veteran property tax exemption $ savings
- IRRRL Recoupment Calculator: 36-month VA rule pass/fail
- Disability Gross-Up Calculator: 25% boost to qualifying income
- Residual Income Calculator: VA's West region 2026 thresholds
- All calculators in one place
Core CA VA loan guides
- Home: site index + base routing
- Eligibility: COE, service requirements, entitlement
- 2026 CA Loan Limits: all 58 counties + jumbo
- CA disabled Veteran tax exemption Disabled Veteran Property Tax: 2026 expansion in-depth look
- Funding Fee + Waiver: disability-compensation waiver
- IRRRL Simplify Refi
- First-Time VA Buyer
- Assumable VA Loans
CA-specialist content (zero-national-coverage)
- CA DPA + VA Stacker: Chenoa Fund + Arrive Home + Essex/NHF Sapphire with Veteran bonuses
- VA Construction Loans in CA: single-close vs two-close + CA builder list
- Tribal Lands + NADL: 100+ CA tribes, six with current VA MOUs + Native American Direct Loan
- Wildfire + Insurance Reality: Sierra foothills, San Diego backcountry, wine country
- San Diego vs Los Angeles vs Sacramento: CA metro comparison
- Summer PCS Playbook: June-August buyer competition tactics
- CA Retiring Veteran Guide: benefits, taxes, and VA-loan use in retirement
- VA Loan Glossary: 75+ CA-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Camp Pendleton: I Marine Expeditionary Force, Marines, Oceanside
- Naval Base San Diego: U.S. Pacific Fleet, Navy, San Diego
- Travis AFB: 60th Air Mobility Wing, Air Force, Fairfield
- Edwards AFB: 412th Test Wing, Air Force, Kern County
City guides
- San Diego · Los Angeles · Sacramento · San Francisco · San Jose · Oceanside · Fresno
Veteran discounts
- Statewide CA Veteran discounts: state programs + federal benefits + national chains
- San Diego metro discounts
- Los Angeles area discounts
- Marysville + Beale AFB discounts
Free services
- CA VA Credit Tune-Up: free credit coaching for Veterans planning to buy in 6-12 months
- 60-Second Eligibility Check: 3-step intake, no credit pull
Connect with Mike
- About Mike: credentials, NMLS, philosophy
- Contact: phone, email, contact form
- For Real Estate Agents: Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access: verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov): official VA loan documentation
- CA Department of Veterans' Services: state Veteran programs
- California Housing Finance Agency (CalHFA): MyHome Assistance + ZIP programs
- CalHFA MyHome Assistance Program: 3.5% deferred-payment junior loan statewide