CalVet & VA Home Loans


VA guaranteed loans are made by VA Approved lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. CalVet Loans are originated by CalVet Certified Lenders and funded by the the State of California's Department of Veteran Affairs.  In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.  


To apply for a CalVet and/or VA Home Loan Contact Dean Henderson at 661-726-9000.


Other benefits of a VA loan include:

  • Negotiable interest rate.
  • Closing costs comparable – and sometimes lower - than other financing types.
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.


Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.  Disabled Veterans are exempt from the VA Funding Fee.


A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.


Veterans must apply for a VA loan through a VA approved lender that participates in the VA home loan program.  Dean Henderson of Financial Independence Mortgage is approved under both the State of California CalVet Program and the United States Department of Veteran Affairs Federal VA program.  A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.  We can help you obtain a copy of your Certificate of Eligibility online.  We can also help you obtain a copy of your DD214 online.  Just send us a note with you request below and we would be very happy to help you with these documents FREE of charge.



 Click here to see if you are eligible for a VA Loan 


For More Information Please Call:

Dean Henderson

(661) 726-9000


Need to get a copy of your DD214:  Go to: