$0 down and no PMI for veterans & active-duty military
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.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every VA loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It Works
A VA loan is guaranteed by the Department of Veterans Affairs for eligible veterans, active-duty service members, National Guard, Reserves and surviving spouses. It is the strongest loan program in the country for those who earned it.
We pull your COE electronically in most cases — usually within minutes, with no cost to you.
Full financing up to your entitlement with no down payment required and no monthly mortgage insurance, ever.
A one-time fee that can be financed, reduced with a down payment, and waived entirely for veterans with a service-connected disability rating.
A VA-assigned appraiser confirms value and minimum property requirements to protect you as the buyer.
VA uses a residual income test alongside debt ratios, which often approves veterans other programs decline.
Entitlement is restored when you sell and pay off the loan, and in some cases you can hold two VA loans at once.
Your Options
Most veterans only know about the zero-down purchase. Your benefit does considerably more.
Honest Advice
The VA loan is almost always the best option for an eligible borrower. These are the details that decide how well it works.
No down payment and no monthly mortgage insurance is a combination no other loan offers.
A service-connected disability rating waives the funding fee entirely — thousands in savings.
Zero down on a 2–4 unit with rental income counted toward qualifying is the fastest wealth-building move available.
A down payment reduces the funding fee. We run both scenarios so the math is visible, not assumed.
VA financing requires you to occupy the home. Investment purchases need a different program.
Some agents wrongly treat VA offers as weak. We write lender letters that shut that argument down.
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.
Find VA loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.