VA Loans California
From a Veteran Who Knows

Mike Colyer served with the 4/502nd Infantry in Berlin (1989) and uses a VA loan on his own home. He knows the VA loan process inside and out — because he's lived it.

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VA Loan Programs

Three powerful ways to use your VA benefit in California

🏠 VA Purchase Loan

Buy your California home with the best mortgage benefit available to veterans.

  • $0 down payment — 100% financing
  • No PMI — save hundreds per month
  • Competitive interest rates
  • Flexible credit requirements
  • Seller can pay closing costs
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⚡ VA IRRRL Streamline Refinance

Already have a VA loan? The Interest Rate Reduction Refinance Loan is the fastest refi available.

  • No appraisal typically required
  • Minimal documentation
  • Can close in as few as 15 days
  • Lower your rate and payment
  • No out-of-pocket costs possible
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💰 VA Cash-Out Refinance

Access your home equity while keeping your VA loan benefits.

  • Refinance up to 100% of home value
  • Consolidate debt at a lower rate
  • Home improvements or any purpose
  • Convert a non-VA loan to VA
  • Competitive rates vs conventional
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VA Loan Payment Estimator

Get a quick estimate of your monthly payment — no personal info needed

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Mike Colyer - VA Loan Specialist

Meet Mike Colyer

US Army veteran (4/502nd Infantry, Berlin 1989), licensed California loan officer, and VA loan homeowner himself. Mike doesn't just process VA loans — he understands the veteran experience firsthand.

NMLS# 276626 · DRE# 01842442
(650) 288-8170 · Mike@TheColyerTeam.com

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