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Veterans, Get the Best Loan Value in California: Cal-Vet Home Loans If you are a veteran living in California, and want the best home loan on the market, then you need a Cal-Vet Home Loan. You'll find the Cal-Vet Loan loaded with money-saving features that help you keep your cash in your pocket and build equity fast. You won't find many of these features anywhere else.

You and your family will benefit from these great loans from day one! As a non-profit State agency, Cal-Vet Loans can offer you far more than the private lending community. Its our way of saying "thanks" for what you gave to your country and to California through your military service - AND we do it at no cost to California taxpayers.

Just look at these great benefits:

No Loan Origination Fee
Only 5% down
Loans up to $250,000
Free Pre-qualification
Expanded Eligibility
Reusable Loans



Expanded Eligibility
If you haven't checked into Cal-Vet lately, you'll be pleased to know that eligibility has been expanded. All veterans who meet the following criteria are eligible:
  • Applicants must have an honorable discharge, or if still on active duty, must provide a Statement of Service verifying their active duty dates and character of service.
  • Applicants must have served at least 90 days on active duty, unless they:
    • were discharged earlier because of a service-connected disability; or
    • received, or are eligible to receive, a campaign or expeditionary medal authorized by the U.S. Government; or
    • were called to active duty from the Reserve or National Guard due to a Presidential Executive Order during a time when the United States was engaged in a military conflict. Note: Service solely for training does not qualify.
  • Unless the applicant has a qualifying campaign or expeditionary medal, at least one day of active service must have been during one of the following qualifying "war" periods:
Persian Gulf War: 8/2/90 - still open
Vietnam Era: 8/5/64 - 5/7/75
Korean Period: 6/27/50 - 1/31/55
World War II: 12/7/41 - 12/31/46
The un-remarried surviving spouse of an eligible veteran may be eligible for a Cal-Vet loan if the veteran:
  • died after filing an application for a Cal-Vet Loan, or
  • died from injuries incurred in the line of duty, either while on active duty, or
  • is being held as a prisoner of war or has been designated by the armed forces as missing in action.




Veteran's Services

105 South San Joaquin Street
First Floor
Stockton, CA 95202
Phone: (209) 468-2916
Fax: (209) 468-2918