VA Loans in San Jose, CA
Looking for a va loan near San Jose, CA? Harris Capital Mortgage Group is a licensed mortgage lender serving San Jose and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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VA Loan Near San Jose, CA
California has some of the most competitive real estate markets in the country. CalHFA offers down payment assistance and first mortgage programs for qualifying buyers. Conforming loan limits are higher in many CA counties, making jumbo loans less common than in other states.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near San Jose, CA serving buyers throughout the CA market. Whether you're searching for a va loan near San Jose or anywhere in CA, our loan officers know the local market and will guide you through every step of the process.
San Jose Market Snapshot
Areas within San Jose we commonly serve
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Frequently Asked Questions: VA Loan in San Jose, CA
Can I buy a home in San Jose, CA with a VA loan and zero down payment?
Yes. If you are an eligible veteran, active duty service member, or qualifying surviving spouse, a VA loan in San Jose, CA allows 100% financing — zero down payment, no private mortgage insurance. Harris Capital Mortgage Group's VA specialists handle your Certificate of Eligibility (COE) and guide you through the VA appraisal process specific to CA.
What is the VA funding fee for a home purchase in CA?
For most first-time VA loan users putting zero down, the funding fee is 2.15% of the loan amount. For subsequent uses it rises to 3.3%. Some veterans with service-connected disabilities are fully exempt from the funding fee. Your HCMG loan officer will verify your exemption status before estimating your closing costs.
How long does it take to close a VA loan in San Jose?
Most VA loans in San Jose close in 30–45 days when all documents are submitted promptly. The VA appraisal — which can only be ordered by a VA-approved lender — is often the longest step. Harris Capital's VA team in CA knows the local appraiser timeline and will set accurate expectations from day one.
VA Loan, Common Questions
Who qualifies for a VA loan?
Active duty service members, veterans, National Guard members, reservists, and eligible surviving spouses may qualify. A Certificate of Eligibility (COE) is required.
Do VA loans require a down payment?
No. VA loans typically require zero down payment, which is one of the most significant benefits available to eligible borrowers.
Is there a VA funding fee?
Yes. Most VA loans include a funding fee (0.5%–3.3% depending on service history and down payment). Some veterans are exempt due to disability.