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.
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
⚡ 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
💰 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
VA Loan Payment Estimator
Get a quick estimate of your monthly payment — no personal info needed
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