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VA Loan Specialists in Modesto, CA

Looking for a va loan specialist in Modesto? Review the directory below to compare your options.

20 agents listed
Updated June 2026
Modesto, 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 20 va loan specialists in Modesto, 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.
Next Gen Home Loans
909 15th St #1, Modesto, CA 95354
(800) 544-8538 nextgenhomeloans.com
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
(209) 809-2312 academymortgage.com
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
(800) 408-9047 lendingassets.com
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
(209) 528-0509 edparcaut.com
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
(800) 579-3768 norcalmortgagepros.com
Jesse Santana Home Loans
823 15th St, Modesto, CA 95354
(209) 505-1821 rate.com
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
(209) 988-9284 mortgagedadof3.com
Alex Pallios - Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
(209) 202-0600 scenicoaks.com
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
(209) 568-4941 amc-modesto.com
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
(209) 495-3562 sondrayates.com
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
(209) 780-1015 vichomeloans.com
Guild Mortgage - Will Patterson
1101 Sylvan Ave Ste A-29, Modesto, CA 95350
(209) 605-7118 branches.guildmortgage.com
Aaron C. McKeon-Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
(209) 380-3913 thecamortgagepro.com
Cynthia Brackett - Almond Valley Group
1600 N Carpenter Rd C, Modesto, CA 95350
(209) 648-8991 almondvalleygroup.com
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
(209) 210-1840 themtgdr.com
Synergy One Lending "The Brandi Elgen Team"
3425 Coffee Rd #2C, Modesto, CA 95355
(209) 872-5418 s1l.com
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
(209) 521-4480 abilityambeckmortgage.com
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
(209) 846-5188 upstarhomemortgage.com
IMS Lending
3421 Tully Rd Ste A, Modesto, CA 95350
(800) 936-3220 imslending.com
Carrollton Mortgage Co
3430 Tully Rd Ste 46, Modesto, CA 95350
(209) 526-6200 carrolltonmortgage.com

A VA loan specialist in Modesto California helps veterans active duty service members and eligible surviving spouses obtain home loans with favorable terms. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Modesto veterans benefit from no down payment options and competitive interest rates through the VA loan program.

What Does a VA Loan Specialist in Modesto Cost?

Typical costs for a VA loan specialist in California include an origination fee of up to 1 percent of the loan amount plus third-party fees for appraisal title search and credit report. These third-party fees usually total between 500 and 1500 dollars. The VA funding fee is separate and varies by loan type and borrower status. Costs can vary based on the loan amount and lender policies. This is general information and 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 are the basic eligibility requirements for a VA loan in Modesto?
You must have served 90 consecutive days of active service during wartime or 181 days during peacetime. National Guard and Reserve members may qualify after six years of service. You also need a valid Certificate of Eligibility from the VA.
Is there a funding fee for VA loans in California?
Yes most borrowers pay a VA funding fee which ranges from 1.25 percent to 3.3 percent of the loan amount depending on your down payment and whether it is your first use. This fee can be rolled into the loan amount. Veterans with a service-connected disability are exempt from this fee.

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