- +1 844.SID.WELL
- +1 844.743.9355
VA & CAL-VET Mortgage Specialists
Home loans that make
you feel at ease.
Welcome to Sidwell Mortgage Company, California's Premier VA & CAL-VET Mortgage Experts.
We're your source for ZERO DOWN ($0) home loans in the State of California.
Buying with ZERO DOWN ($0) is one of the Benefits you've earned through your military service.
In Life Stuff Happens!
In Military Life, Stuff REALLY Happens!!
After 27 years of serving the military community we've come to understand the challenges
faced by many VA home loan applicants. Through commitment, education, hard work & creativity
we've helped thousands of servicemembers overcome barriers to home financing.
Contact your California area
Home Loan Specialist at
OR
Our San Diego County office address is 2244 Faraday Ave., Ste. 170, Carlsbad, CA 92008-7208
We've Got The Mortgage Products You Need
And The Flexibility To Get You APPROVED!
And not just for buying or refinancing, but VA products to cover everything
from construction financing to rehab & home improvements.
VA Purchase Money Loan. va no longer imposes a maximum loan amount, but certain restriction apply, depending on the borrower, and on lender overlays.
This is the traditional VA loan featuring NO DOWN Payment, no monthly mortgage insurance, low interest rates, looser credit requirements, and flexible debt-to-income ratios. To learn more see Details.
va cash out refinance. max loan amount VARIES BY COUNTY. $548,250 - $822,375 IN CALIFORNIA. 90% - 100% LTV. SEE DETAILS.
The VA Cash Out Loans permits the servicemember to refinance from a non VA loan to a VA, consolidate debt thereby lowering overall monthly payments, eliminate mortgage insurance, or pull cash out for other reasons. To learn more see Details.
va interest rate reduction refinance loan. no cash out. reduced documentation. improves rate & terms.
Often callled the VA IRRRL, this product allows the veteran to improve thier current rate and term with a minimal degree of headache. Reduced documentation and no appraisal requirement are hallmarks of this product. To learn more see Details.
VA ENERGY EFFICIENT MORTGAGE. ALLOWS THE SERVICEMEMBER TO INCREASE THEIR LOAN AMOUNT TO COVER ENERGY EFFICIENT UPGRADES.
The VA EEM will cover the costs of energy efficient doors & windows, programmable thermostats, solar water heaters, additional attic insulation, window replacements, energy efficient a/c or furnace, etc. To learn more see Details.
cal-vet purchase money loans are Unlike other types of va loans. the cal-vet loan is not credit score driven, and provides opportunity for servicemembers who may have been previously turned down.
This is truly a second chance loan for servicemembers who may have had difficulties in the past. All CAL-VET loans are manually underwritten (by a human, who's experienced life -- not artificial intelligence). To learn more see Details.
CAL-VET HOME IMPROVEMENT LOANS PROVIDES FINANCING TO REMODEL, REPAIR, ADD ON, OR ADD DISABLED ACCESSIBILITY TO THE SERVICEMEMBER'S HOME.
Here is the opportunity to use your VA Benefit to secure funding for upgrades to your home. To learn more see Details.
DO YOU HAVE CONCERNS ABOUT QUALIFYING
FOR A MORTGAGE? TELL US ABOUT IT.
ODDS ARE, WE CAN HELP YOU
CREDIT
Credit issues can run the gamut from having no credit scores, to low scores, to no credit, and everything in between. From liens, judgments, late payments, repossessions and collection accounts, to prior major credit events (bankruptcies, foreclosures, short sales, etc.), we’ve seen it all. Tell us your story. Odds are, we can help you.
DEBT OR INCOME
You may think you lack the income rto qualify for a loan, but often the issue isn’t the income, but how it’s being calculated. In 2017 we had a client who dissolved a partnership (which would typically end the income stream), but because of the nature of the business there was residual income that continued for 7 years. We were able to use that income.
PROPERTY TYPE
Over the years we’ve encountered everything from a $17,000 mobile home, to a $22,000,000 estate. Whether it’s a fourplex, single family residence, condominium, PUD (Planned Unit Development), or mobile/modular home, we’ve got a VA or CAL-VET mortgage to fit. Now add wells, septic tanks, mixed use, etc. We’ve seen and done it all.
- +1 855.754.3863