A loan option for eligible veterans, active-duty service members, and their families, guaranteed by the U.S. Department of Veterans Affairs.
VA loans are guaranteed by the U.S. Department of Veterans Affairs, a benefit earned through service.
They carry no monthly mortgage insurance, and eligibility is confirmed with a Certificate of Eligibility, which we can help you obtain.
We guide you through the VA appraisal and funding fee, and compare VA against your other options so you know you're using the benefit well.
VA loans are guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members and some surviving spouses buying or refinancing a home in Modesto.
With full entitlement, VA does not cap the loan amount. The county figure, $832,750 in Stanislaus County for 2026, comes into play when part of your entitlement is still in use on another VA loan.
The home must be your primary residence.
Every borrower’s situation is different, so the right next step is a conversation about your income, savings and timeline.
Sources: U.S. Census Bureau, American Community Survey 2020–2024; HUD 2026 FHA limits; FHFA 2026 conforming limits. Loan limits are for Stanislaus County, where most of Modesto’s residents live.
Eligibility depends on your service. We start by requesting your Certificate of Eligibility, which confirms it.
Yes. Entitlement can be restored after a VA loan is paid off, and in some cases used alongside an existing VA loan. We review your situation before you shop.
Yes. An Interest Rate Reduction Refinance Loan (IRRRL) streamlines refinancing an existing VA loan, and a VA cash-out refinance can reach your equity or move a non-VA loan into VA.
Send a few details about what you’re planning and we’ll follow up. There is no obligation.
David Young, NMLS #62043, CA DRE #01371572. Lendwise Mortgage, NMLS #2702455. NMLS Consumer Access.
David Young, CA DRE Broker Associate #01371572, NMLS #62043. Loans arranged through Lendwise Mortgage, Inc., California Department of Real Estate Corporation License #02282825, NMLS #2702455.
This is not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Equal Housing Opportunity.