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Find VA Loan Specialists in Gilroy, CA

Browse va loan specialists serving Gilroy, California. Contact information and addresses listed below.

3 agents listed
Updated June 2026
Gilroy, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of California before hiring.
Showing 3 va loan specialists in Gilroy, CA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage, Bank of America
7111 Camino Arroyo Dr, Gilroy, CA 95020
(831) 228-8012 bankofamerica.com
Alison Andrus at Guaranteed Rate Affinity (NMLS #1118471)
8050 Santa Teresa Blvd Unit 210, Gilroy, CA 95020
(831) 662-1857 grarate.com
Ann Lewis / The Federal Savings Bank
7371 Monterey Rd, Gilroy, CA 95020
(408) 478-2001 thefederalsavingsbank.com

VA loan specialists in Gilroy, California help veterans and active duty service members navigate home financing with no down payment required. California law provides additional property tax exemptions for disabled veterans under Revenue and Taxation Code Section 205.5. These professionals guide clients through the VA funding fee, certificate of eligibility, and local market conditions in Santa Clara County.

What Does a VA Loan Specialist in Gilroy Cost?

VA loan specialists in California typically charge origination fees between 0.5 percent and 1 percent of the loan amount, though some may offer flat fees around $500 to $1,500. The VA funding fee ranges from 1.25 percent to 3.3 percent of the loan amount depending on down payment and service category. Costs vary by lender and loan size. This is general information, not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What is a VA loan specialist in Gilroy?
A VA loan specialist is a mortgage professional who focuses on loans guaranteed by the U.S. Department of Veterans Affairs. They help borrowers in Gilroy understand eligibility, complete paperwork, and find lenders familiar with California property laws.
What are the eligibility requirements for a VA loan in California?
Eligibility requires meeting service time requirements set by the VA, such as 90 days of active duty during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility and sufficient income to cover the loan.
Are there California-specific benefits for VA loan borrowers?
Yes, California offers a disabled veteran property tax exemption under Revenue and Taxation Code Section 205.5. This can reduce property taxes for veterans with a service-connected disability rating of 100 percent or receiving special monthly compensation.

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