CalVet Home Loan Program
Low-interest, fixed-rate 30-year mortgages through CalVet with 2026 loan limits up to $1,249,125 in high-cost counties.
Who qualifies
- Available to any veteran
- Honorable discharge required
- California residency
Details
Eligibility
Veterans who served at least 90 days of active duty (excluding training) with honorable discharge. National Guard/Reservists ordered to federal active duty may qualify. No prior California residency required. No minimum credit score (manually underwritten with flexible credit standards).
Covers
Low-interest, fixed-rate 30-year mortgages for owner-occupied homes in California. 2026 loan limits: $832,750 standard counties; up to $1,249,125 in high-cost counties (matches 2026 FHFA high-cost area conforming loan limit — Los Angeles, San Francisco, Orange, San Mateo, etc.). Covers single-family homes, condos, and mobile homes on land. No PMI required.
How to apply
Through the CalVet website.
Always confirm current rates and rules with the California state agency before applying.
See every benefit you qualify for in California
Get a personalized list of federal, state, and local veteran benefits based on your service history, disability rating, and California residency — in under 2 minutes.
Find My California Benefits