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 comprehensive 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.
- CA Veteran Money-Saving Guide — quarterly-updated 20-page guide to CA + federal veteran benefits, discounts, and tax breaks. Updated quarterly.
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 vet 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 15 counties + jumbo
- CA disabled veteran tax exemption Disabled Vet Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline Refi
- First-Time VA Buyer
- Assumable VA Loans
CA-specialist content (zero-national-coverage)
- CA DPA + VA Stacker — Home Plus + Home In Five vet bonus + Pathway layering
- VA Construction Loans in CA — single-close vs two-close + CA builder list
- Snowbird to CA Resident — occupancy + tax residency transition
- Tribal Lands + NADL — 22 CA tribes + Native American Direct Loan
- Master-Planned Community VA Status — Estrella, Vistancia, Verrado, Eastmark, etc.
- Wildfire + Insurance Reality — Flagstaff, Sedona, Payson, Prescott
- San Diego vs Los Angeles vs Prescott — CA metro comparison
- Summer PCS Playbook — June-August buyer competition tactics
- CA Retiring Veteran Guide — top-3 US retirement state for vets
- VA Loan Glossary — 75+ CA-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- Camp Pendleton — 56th Fighter Wing, F-35A, Fresno
- Naval Base San Diego — 355th Wing, A-10, Los Angeles
- Travis AFB — MAWTS-1, MAG-13
- Edwards AFB — Army Intelligence + Cyber, Sierra Vista
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
- Sierra Vista + Beale AFB discounts
Free services
- CA VA Credit Tune-Up — free credit coaching for vets 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 vet programs
- CA Industrial Development Authority — Home Plus DPA program
- San Diego IDA Home In Five — Home In Five DPA + veteran bonus