Down payment
$0 down available
Eligible borrowers with full entitlement can finance up to 100% of the purchase price.
★ Thank you for your service ★
VA home loans in Palmdale, the Antelope Valley and Edwards AFB
You earned the VA loan benefit. We help you use it to buy or refinance a home in Palmdale, Lancaster, Edwards and the high desert, with one local team handling your file from first call to closing.
- $0 down available*
- No monthly mortgage insurance
- Local office in Palmdale
*For eligible borrowers with full entitlement, subject to credit approval, income verification and VA property requirements.
Serving every branch
- Army
- Navy
- Air Force
- Marine Corps
- Space Force
- Coast Guard
- Guard & Reserve
Welcome home
Coming home should mean a home of your own
Veterans, active-duty families and surviving spouses use the VA loan benefit to buy in the Antelope Valley. We walk you through it in plain language, from your first question to closing, with a local team in Palmdale.
Check your eligibilityReviews
What borrowers say
The benefit
What the VA loan gives you
The VA guarantees part of your loan to the lender. That guarantee is why this loan can cost less up front and less every month than the alternatives.
Monthly cost
No monthly mortgage insurance
The VA guarantee replaces the monthly mortgage insurance most low-down-payment loans require.
Closing
Limits on closing costs
The VA restricts which fees a borrower can be charged, and sellers are allowed to help with costs.
Qualifying
Flexible standards
The VA sets no minimum credit score and no loan limit with full entitlement. Lenders set their own standards, so ask us where you stand.
Payoff
No prepayment penalty
Pay extra, sell or refinance when it suits you without a fee for paying early.
Reuse
Use it more than once
Entitlement can be restored after you sell and repay, and in some cases you can use what remains on a second home.
Payment estimator
Estimate your monthly payment
See how a VA loan with no monthly mortgage insurance can look at different prices and down payments.
For illustration only. The interest rate is an example, not a quote, and your actual rate depends on your credit, loan details and the market. Principal and interest only. Property taxes, homeowners insurance, HOA dues and the VA funding fee are not included. This is not a commitment to lend.
Estimated principal and interest
$0
per month
- Loan amount
- $0
- Monthly mortgage insurance
- $0
Compared
VA, FHA and conventional side by side
We offer more than one low-down-payment path, so you can see the numbers for each before you decide.
| VA loan | FHA loan | Conventional | |
|---|---|---|---|
| Minimum down payment | $0 with full entitlement | 3.5% for most borrowers | 3% to 5% on many programs |
| Monthly mortgage insurance | None | Yes, on most loans | Yes, when down payment is under 20% |
| Upfront fee | VA funding fee, waived for some | Upfront mortgage insurance premium | None |
| Who can use it | Eligible service members, veterans and surviving spouses | Any qualified buyer | Any qualified buyer |
General program guidelines. Your terms depend on your credit, income, the property and current program rules.
The process
From first question to the keys
Five steps, one team. You always know what comes next and who to call.
Start step 1
- Step 1
Tell us about your service
Fill out the short form. We confirm your eligibility and request your Certificate of Eligibility from the VA.
- Step 2
Get pre-approved
We review your income, assets and credit, then give you a pre-approval letter you can use to make offers anywhere in the Antelope Valley.
- Step 3
Find your home
Work with your agent. We explain the VA minimum property requirements up front so there are no surprises after you pick a house.
- Step 4
Appraisal and underwriting
A VA-assigned appraiser values the home while our team processes and underwrites your file in the same office.
- Step 5
Close and move in
Sign, fund and get your keys. Questions along the way go to the same people who started your file.
Already a VA homeowner?
Lower your payment or use your equity
If you own a home in the Antelope Valley, your VA benefit can work for you again through a refinance.
VA IRRRL (streamline refinance)
For homeowners who already have a VA loan and want a lower rate or a steadier payment.
- Often less paperwork than a standard refinance
- Can move you from an adjustable rate to a fixed rate
- The new loan has to give you a clear benefit, such as a lower payment
VA cash-out refinance
Turn home equity into cash, or replace a conventional or FHA loan with a VA loan.
- Use equity for repairs, debt payoff or other goals
- Can remove monthly mortgage insurance you pay today
- Maximum loan amounts depend on your equity and the lender
A VA funding fee usually applies to refinances unless you are exempt. Terms vary by borrower, property and lender.
Local to the base and the valley
Based in Palmdale, working the high desert
Whether you are stationed at Edwards, working near Air Force Plant 42, or settling in the Antelope Valley after service, you work with a team in this market that knows the neighborhoods, the lenders agents trust and the timelines that matter here.
Moving to Edwards on PCS orders? We can start your pre-approval before you arrive and work around your report date.
Check your eligibilityWhere we write VA loans
Palmdale
Los Angeles County · 93550, 93551, 93552Home to Air Force Plant 42 and within commuting distance of Edwards AFB.
Lancaster
Los Angeles County · 93534, 93535, 93536Neighborhoods across the Antelope Valley, just north of Palmdale.
Edwards AFB area
Kern County · 93524Home of Edwards Air Force Base and the Air Force Test Center. We help buyers moving here on PCS orders.
Rosamond
Kern County · 93560A Kern County community close to Edwards AFB.
Mojave
Kern County · 93501Home of the Mojave Air and Space Port.
California City
Kern County · 93505A large Kern County city north of Edwards AFB.
Quartz Hill
Los Angeles County · 93536An unincorporated community on the west side of the valley.
Littlerock
Los Angeles County · 93543An unincorporated community southeast of Palmdale.
Eligibility
Who can use the VA loan benefit
Requirements depend on when and how you served. We confirm everything with your Certificate of Eligibility.
- Veterans
- Served on active duty and were discharged under conditions other than dishonorable. Minimum service varies by era, for example 90 days in wartime or 181 days in peacetime.
- Active-duty service members
- Generally eligible after 90 continuous days of active service.
- National Guard and Reserve
- Generally eligible with six years of service, or after qualifying active-duty time.
- Surviving spouses
- Spouses of service members who died in service or from a service-connected disability may qualify.
Confirm my eligibility
Not sure which category fits you? Submit the form and we will sort it out.
Get ready
What to have on hand
You do not need everything to start. Check off what you already have so your loan officer can move faster.
0 of 7 ready
Start with the formRequirements vary by loan and borrower. Your loan officer confirms your exact list.
Questions
Straight answers about VA loans
Do I need a down payment?
Not if you have full entitlement and the loan fits your income and credit profile. Eligible borrowers can finance up to 100% of the purchase price. If you have already used part of your benefit, a down payment may be required. Your Certificate of Eligibility shows what you have left.
What is entitlement?
Entitlement is the amount the VA guarantees to the lender if a borrower defaults. That guarantee is what allows lenders to offer low or no down payment. Most first-time users have full entitlement.
What is the VA funding fee?
A one-time fee that helps keep the VA loan program running. The amount depends on your down payment, whether this is your first use of the benefit and the loan type. Veterans who receive VA compensation for a service-connected disability, and some others, are exempt. We show you the exact figure before you commit.
What credit score do I need?
The VA does not set a minimum credit score, so lenders set their own. Tell us where you are and we will give you a straight answer on what is possible and what to work on.
Can I use a VA loan to buy in Palmdale or Lancaster?
Yes, if the home will be your primary residence and meets VA minimum property requirements. Single-family homes, many townhomes, VA-approved condominiums and some new construction qualify. The VA appraiser checks the property.
Can I use my benefit more than once?
Yes. Entitlement can be restored after you sell the home and repay the loan, and in some cases you can use remaining entitlement while keeping a current VA loan. We review your options with you.
Will filling out the form affect my credit?
No. Submitting the form does not pull your credit. We ask for your permission before we run credit as part of a pre-approval.
I am moving to Edwards AFB on PCS orders. Can I get pre-approved before I arrive?
Yes. We work with buyers remotely and can start your pre-approval before you arrive, so you are ready to make offers soon after you get here. Your Certificate of Eligibility and proof of service help move things along.
What is a VA IRRRL?
An Interest Rate Reduction Refinance Loan, often called a VA streamline refinance. It is for homeowners who already have a VA loan and want a lower rate or a more stable payment. The new loan has to give you a clear benefit, and many IRRRLs need less paperwork than a standard refinance. A funding fee usually applies.
Can I take cash out of my home with a VA loan?
Yes, through a VA cash-out refinance. It can also move you from a conventional or FHA loan into a VA loan. Maximum loan amounts depend on your equity and the lender, and we show you the numbers before you decide.
How long does a VA loan take to close?
Many VA purchase loans close in about 30 to 45 days. The timeline depends on the appraisal, how quickly your paperwork comes in and the contract dates. We give you a target timeline when you get pre-approved.
See what your VA benefit can do in the Antelope Valley
Check your eligibility
Prefer to talk? Call (661) 403-7000