VA Loans

If you are a veteran planning on purchasing a home in California, you my be eligible for a special Cal-Vet home loan.

CalVet Home Loan products have below market interest rates with low or no down payment requirements. Now, nearly any veteran wanting to buy a home in California is eligible.

  • Low interest rates – CalVet’s low competitive fixed rate is available for many eligible veterans.

    Low costs – CalVet charges a low 1% origination fee.  No other lender fees (no underwriting, processing, or document fees).

    Manual Underwriting – Each file is reviewed by a live underwriter who approves “make sense” loans for deserving veterans.

    Exceptional Insurance – CalVet loans generally carry Fire & Hazard insurance and Disaster Indemnity (Flood & Earthquake) coverage that is unparalleled in the industry.  Low deductibles are standard.

     

    In order to obtain a VA home loan, you must first get a VA Home Loan Certificate of Eligibility (COE). This certificate is issued only through the Veterans Administration. Veterans, active duty, guard and reserve members, and military spouses all potentially qualify for this certificate. Keep in mind that the COE, while necessary, only allows an eligible individual to apply for a home loan; it does not guarantee loan approval.Eligibility for the COE is based on an individual’s (or a spouse’s) military service. First, see if you are eligible based on the major categories below.

    1. Wartime – Service During:

    • WWII: 9/16/1940 to 7/25/1947
    • Korean: 6/27/1950 to 1/31/1955
    • Vietnam: 8/5/1964 to 5/7/1975

    You must have at least 90 days on active duty and been discharged under conditions other than “dishonorable”.  If you served less than 90 days, you may be eligible if you were discharged for a service-connected disability.

    2. Peacetime – Service during periods:

    • 7/26/1947 to 6/26/1950
    • 2/1/1955 to 8/4/1964
    • 5/8/1975 to 9/7/1980 (Enlisted)
    • 5/8/1975 to 10/16/1981 (Officer)

    You must have served at least 181 days of continuous active duty and been discharged under other than dishonorable conditions.  If you served less than 181 days, you may be eligible if you were discharged for a service-connected disability.

    3. Service after 9/7/1980 (enlisted) or 10/16/1981 (officer)

    If you were separated from service which began after these dates, you must have:

    • Completed 24 months of continuous active duty or the full period (at least 181 days) for which you were ordered or called to active duty and been discharged under conditions other than dishonorable, or
    • Completed at least 181 days of active duty and were discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1171 (Early Out), or were determined to have a compensable service-connected disability;
    • Were discharged with less than 181 days of service due to a service-connected disability.  You may also be eligible if you were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances for the convenience of the government.

    4. Gulf War – Service during period 8/2/1990 to date yet to be determined

    If you served on active duty during the Gulf War, you must have:

    • Completed 24 months of continuous active duty or the full period (at least 90 days) for which you were called or ordered to active duty, and were discharged under conditions other than dishonorable, or
    • Completed at least 90 days of active duty and were discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1173 (Early Out), or were been determined to have a compensable service-connected disability, or
    • Were discharged with less than 90 days of service for a service-connected disability.  You may also be eligible if you were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances, for the convenience of the government.

    5. Active Duty Service Personnel

    If you are now on regular duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.

    If you are not otherwise eligible for a VA loan according to the major categories above, you could still be eligible if you fall under one of these categories:

    Selected Reserves or National Guard

    You need to have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and:

    • Were discharged with an honorable discharge, or
    • Were placed on the retired list, or
    • Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service, or
    • Continue to serve in the Selected Reserves

    If you’ve completed less than 6 years of service, you may be eligible if discharged for a service-connected disability.

    You may also be determined eligible if you:

    • Are an un-remarried spouse of a veteran who died while in service or from a service connected disability, or
    • Are a spouse of a service member missing in action or a prisoner of war

    Note:  If you are a surviving spouse, you may also be eligible for VA loan benefits. Read the article VA Loan Eligibility Expands for Surviving Spouses for more details.

    Eligibility may also be established for:

    • Certain United States citizens who served in the armed forces of a government allied with the United States in WW II.

Individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, merchant seaman with WW II service, and others.

Please Call/Text Ken Grech 805-217-1368 Today for more Information about VA Loans!

Helping clients with all Real Estate in the following cities:  Agoura Hills, CamarilloMoorparkNewbury ParkOak ParkSimiValley, Thousand Oaks, Westlake Village

Testimonials

What our Clients Say About us

Foreclosure Homes Silverlake
I believe that Ken was very professional and aggressive when it came to negotiating the deal. I have used Ken many times with the purchases or sale of my homes Ken is great at following through with every detail of the transaction. I highly refer him to anyone that wants a good realtor.
by Dan Maravilla
Condos Brentwood
Dear Ken, Chris, Peggy & Crew You are so thoughtful and kind. We are thrilled to be moving into our new home…something we didn’t see happening for quite some time. Thank you so much for jumping through hoops for us! We will be forever grateful!
by Kelly & Joseph Konopelski
Real Estate Santa Monica
We recommend Ken as he was very professional in dealing with the sale of my home that was listed with him. We were very pleased with the transaction of buying my new home with. We think the service he gave my wife and I was perfect. We would recommend him highly.
by Trenton Harrloe
Ranch and Farm Properties Westlake Village Hills
Working with Ken was extremely easy and he was very approachable when any questions or concerns were raised. He is very professional and does not waste time. When my husband and I would meet with him he would always make sure to go through all of the paperwork with us in a timely fashion (which can be tough when signing a thousand different documents). We really enjoyed working with Ken and could tell he was a very trustworthy individual.
by Claire Hastings
Condos Westlake Village Hills
For us Ken Grech is one of the best all around. He is honest, trustworthy, and very knowledgeable with property. I would never buy from any other person ever! This is our second time around with Ken and hopefully he will be their for our 3rd. Everyone knows it's always stressful selling / buying property, but with someone like Ken Grech on your side it becomes a great experience. It becomes easy when you have someone looking out for your best interest. We appreciated everything you did for us Ken.
by Alaysia Jennings
Condos Woodland Hills
Ken is an excellent realtor. He did an incredible job selling our house in 3 days during a pandemic. His attention to detail and his outstanding communication skills put him at the top. We were so impressed with his hard work and dedication that we are recommending him to all of our famjly and friends. It was a pleasure working with him. He knew we were nervous about leaving our home of 24 years and moving to a new state so he helped facilitate connecting us to a great realtor in the state we were moving to. He also researched nice areas in the new state to recommend to us. He helped us from start to finish. All of his help and guidance made the transition so easy. Working with Ken was a pleasure. He was there for us from the begining til the end. He met all of our expectations and guided us through the whole process with his expertise. It was a smooth and stress free transition because of Ken.
by Kylie Underwood
TownHomes Ventura Hills
Ken acted in a professional manner. I was very impressed with his knowledge of real estate, He read the sales data of surrounding homes perfectly, leading to my home to be sold on its first showing for higher than its listing price.
by Teresa Richard
Golf Course Homes Ventura Hills
Ken was on top of the deal all the way through. If you want an local area expert in real estate we highly recommend working with Ken. This was a very easy sell/buy experience and we are more than pleased with Ken's performance. Had it not been for his local knowledge, we likely would not have been able to purchase the beautiful Morrison Highland Estates house that we did. Ken is a true professional.
by Simon Barrett
Ranch and Farm Properties Valencia
Ken Grech did a wonderful job of making us feel we were in good hands with his leadership. I would definitely use his expertise in any further real estate transaction.
by Lauren Bradley
TownHomes Thousand Oaks
We met Ken at an open house and he seemed kind and knowledgeable. Ken was very valuable in the selection of a great neighborhood for our daughter to grow up in. All communications and documentation was very timely. Ken handled any problems that came up during the escrow period. Ken is very polite and cares for his clients and their future home. Ken made the whole process easy.
by Quincy Sampson
Rodeo Real Estate Agent
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Kenneth Grech

Real Estate Agent

Simi Valley | California

1308 Madera Rd Suite 8,
Simi Valley CA 93065
DRE#01328727

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