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Directory of va loan specialists in Los Banos, California. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Los Banos, 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 California before hiring.
Showing 6 va loan specialists in Los Banos, 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.
California Check Cashing Stores
1060 E Pacheco Blvd ste a, Los Banos, CA 93635
2098290739
Chase Bank
550 K St, Los Banos, CA 93635
2098263011
Erika Garcia
Los Banos, CA 93635
4089638186
Mechanics Bank - Los Banos Branch
601 I St, Los Banos, CA 93635
2098262723
HII Mortgage Loans Los Banos CA
212 San Lorenzo St # N, Los Banos, CA 93635
2095878181
Wells Fargo Advisors
461 J St, Los Banos, CA 93635
2098265172
VA loan specialists in Los Banos, California help veterans and active duty service members access home financing with no down payment and competitive rates. California law requires all mortgage loan originators to be licensed by the Department of Financial Protection and Innovation. Local specialists understand the Los Banos real estate market and can guide you through the VA funding fee and county loan limits.
What Does a VA Loan Specialist in Los Banos Cost?
Typical costs for a VA loan specialist in California include an origination fee of 1% to 2% of the loan amount, plus third party fees for appraisal, credit report, and title services. The VA funding fee ranges from 1.25% to 3.3% of the loan amount depending on your down payment and service category. Some specialists may charge a flat fee of $500 to $1,500 for consulting. Costs vary by situation and lender. 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 Los Banos?
A VA loan specialist is a licensed mortgage professional who helps veterans and military families obtain VA-backed home loans. They assist with eligibility certificates, lender requirements, and the specific steps needed to buy a home in Los Banos.
Do I need a California specific license to work with a VA loan specialist?
Yes. In California, all mortgage loan originators must hold a valid license from the Nationwide Multistate Licensing System and be registered with the California Department of Financial Protection and Innovation. Always verify a specialist license before starting the process.
What are the VA loan limits for Merced County in 2025?
For 2025, the VA loan limit for Merced County, which includes Los Banos, is $766,550 for a single family home. This limit applies to veterans with full entitlement. Those with partial entitlement may have different limits.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.