2012 California VA Loan Limits for VA Borrowers

2012 California VA Loan Limits for VA Borrowers



The Veterans Administration has released the 2012 VA Loan Limits for California. While they stated that Congress may increase these limits, they will not go down. The formula for generating the VA Loan Limits was altered by Congress in 2008, and has now been altered again. The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California and Washington at loan amounts much higher than the old VA limits. 


Some examples in California are veterans in Los Angeles, Orange County, Ventura, Brea, Pasadena, Irvine, Costa Mesa, Huntington Beach, and Long Beach may qualify for a 100% VA Jumbo loan up to $625,500. San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, la Mesa and National City a Vet can borrow up to $477,000 with no money down when buying a house. San Jose vets can go up to $625,500 with no money down VA Purchase Loan. Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $625,500 for a 100% VA Loan as well. 


We also offer VA Loans that exceed these limits with the appropriate amount of Down payment on purchases, or equity on Refinances.  VanDyk Mortgage is a proud VA Lender serving many states including California, Washington, Texas, Florida, and more.

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).


We have compiled the California VA Loan limits for 2012 by county below.


State County 2012 VA Loan Limit


CA ALAMEDA   $625,500
CA ALPINE  $417,000
CA AMADOR   $417,000
CA BUTTE   $417,000
CA CALAVERAS   $417,000
CA COLUSA   $417,000
CA CONTRA COSTA   $625,500
CA DEL NORTE   $417,000
CA EL DORADO   $417,000
CA FRESNO   $417,000
CA GLENN   $417,000
CA HUMBOLDT   $417,000
CA IMPERIAL   $417,000
CA INYO   $417,000
CA KERN   $417,000
CA KINGS   $417,000
CA LAKE   $417,000
CA LASSEN   $417,000
CA LOS ANGELES   $625,500
CA MADERA   417,000
CA MARIN   $625,500
\CA MARIPOSA   $417,000
CA MENDOCINO   $417,000
CA MERCED   $417,000
CA MODOC   $417,000
CA MONO   $417,000
CA MONTEREY   $417,000
CA MONO   $417,000
CA NAPA   $460,000
CA NEVADA   $417,000
CA ORANGE   $625,500
CA PLACER   $417,000
CA PLUMAS   $417,000
CA RIVERSIDE   417,000
CA SACRAMENTO   $417,000
CA SAN BENITO   $625,500
CA SAN BERNARDINO  $417,000
CA SAN DIEGO  $477,000
CA SAN FRANCISCO   $625,500
CA SAN JOAQUIN   $417,000
CA SAN LUIS OBISPO   $457,000
CA SAN MATEO   $625,500
CA SANTA BARBARA   $598,000
CA SANTA CLARA   $625,500
CA SANTA CRUZ   $610,650
CA SHASTA   $417,000
CA SIERRA   $417,000
CA SISKIYOU   $417,000
CA SOLANO   $417,000
CA SONOMA   $419,750
CA STANISLAUS   $417,000
CA SUTTER   $417,000
CA TEHAMA   $417,000
CA TRINITY   $417,000
CA TULARE  $417,000
CA TUOLUMNE   $417,000
CA VENTURA   $518,000
CA YOLO   $417,000
CA YUBA   $417,000


If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline). Call Brian Skaar at 760-752-4480 to get started.

VA Jumbo Loans available to $1,500,000

VA Jumbo Loans available to $1,500,000

VanDyk Mortgage offers VA Jumbo Loans up to $1,500,000 in all areas that we service. Many VA Jumbo Lenders cap their VA loans at $417,000, or $650,000m and a few at $700k.  We offer VA Jumbo Loans up to the full county limit for your area, and even go above the county limit when there is sufficient down payment and entitlement to reach your minimum 25% guarantee for the loan. Here is another post that covers that subject: The VA 417K myth.

VA Jumbo's are the best way to purchase a Luxury home with less than 20% down payment in many California counties and areas.  In fact, VA Jumbos are the best way to buy a home that is over $417K in most California Counties.   Here is a list of County VA Loan Limits: VA Loan Limits by county - 2012 VA County Loan Limits for California. Call to find out how much downpayment you will need for your home purchase - 760-752-4480 direct,  ask for Brian Skaar.

We offer VA Jumbo Loans for Purchase, Refinance, and Cash-out Refinance.  VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Dir500,000ect Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA 203K Streamline Rehab loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA mortgages of all types. We offer FHA & VA loans in California, Georgia, Texas, Washington, & More. Visit us at http://www.vandykfunding.com/ to get started or just find out more.