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Find VA Loan Specialists Near You in Scotts Valley, CA
Looking for a va loan specialist in Scotts Valley? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Scotts Valley, 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 3 va loan specialists in Scotts Valley, 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.
Char Johanson at Franklin Loan Center
5435 Scotts Valley Dr Ste K, Scotts Valley, CA 95066
8313310082
Bay Equity Home Loans
Scotts Valley Dr, Scotts Valley, CA 95066
8314610100
Mortgage 831
5521 Scotts Valley Dr #110, Scotts Valley, CA 95066
8315887201
VA loan specialists in Scotts Valley help veterans and active duty service members navigate the home buying process using benefits from the U.S. Department of Veterans Affairs. California law provides additional property tax exemptions for disabled veterans under Revenue and Taxation Code Section 205.5. Scotts Valley offers a range of housing options near Santa Cruz, making local expertise valuable for understanding county-specific limits and timelines.
What Does a VA Loan Specialist in Scotts Valley Cost?
Typical costs for VA loan specialist services in California include a loan origination fee of 0.5 to 1.0 percent of the loan amount. Appraisal fees range from 500 to 700 dollars. Closing costs in Santa Cruz County often total 2 to 5 percent of the purchase price. These costs vary by lender and property. 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 Scotts Valley?
A VA loan specialist is a licensed mortgage professional who focuses on VA-backed home loans. They guide clients through eligibility requirements, funding fees, and the certificate of eligibility process. In Scotts Valley, they also help with local property tax rules and county recording procedures.
What are the eligibility requirements for a VA loan in California?
Eligibility requires qualifying military service with a valid Certificate of Eligibility from the VA. California does not impose additional state-level service requirements. Veterans must meet lender credit and income standards, and the property must be your primary residence in Santa Cruz County.
Are there California-specific rules for VA loan funding fees?
Yes. The VA funding fee varies based on down payment amount and whether it is your first use. California does not add state taxes to this fee. Disabled veterans receiving VA compensation may be exempt from the funding fee under federal law.
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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.