Step-by-step guide
Getting a va loan is simpler than most people expect when you have the right team. Here’s the exact process CDL Mortgage walks every borrower through, from the first conversation to funding day.
VA home loans for veterans, active-duty service members, and eligible spouses in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho. $0 down, no PMI, and competitive rates — CDL Mortgage proudly serves those who served.
The Process
Review your credit report and settle on a comfortable monthly payment before you apply. $0 down and no PMI for veterans & active-duty military. We’ll tell you exactly where you stand — and how to improve your pricing — in a free 15-minute call.
Typical items include photo ID, recent pay stubs or income documentation, bank statements, and two years of tax returns where applicable. Your loan officer sends a short checklist tailored to your va loan.
We verify your income, credit, and assets up front so your pre-approval actually holds up in underwriting. A solid pre-approval is the single biggest factor in a smooth, on-time closing.
As an independent broker, CDL Mortgage shops multiple wholesale lenders on every va loan — you see the best pricing across the market, not one bank’s rate sheet.
We submit your full file, order the appraisal when required, and clear any underwriter conditions for you. You’ll always know exactly where your loan stands.
Sign your final documents with a notary or at the title company, and your loan funds. Most files close in 21–30 days — often faster.
Questions
Yes. Eligible veterans and service members can finance up to 100% of the home’s value with $0 down, making the VA loan one of the most powerful benefits available. There is no monthly private mortgage insurance either.
Veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses may qualify. You’ll need a Certificate of Eligibility (COE), which we can help you obtain during pre-approval.
The VA funding fee is a one-time charge that helps sustain the program. It varies based on your down payment and whether it’s your first VA loan. Veterans receiving VA disability compensation are typically exempt from the funding fee entirely.
The Interest Rate Reduction Refinance Loan (IRRRL), or VA Streamline, lets existing VA borrowers refinance to a lower rate with minimal paperwork, no appraisal in most cases, and no new Certificate of Eligibility. It’s one of the fastest refinances available.
Yes. VA loan benefits can be reused throughout your life, and you may even have more than one VA loan at a time in certain situations. We’ll calculate your remaining entitlement so you know exactly what you qualify for.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.