01 / ELIGIBILITY
Can I use my VA benefit?
Review your service eligibility, Certificate of Eligibility (COE), and remaining entitlement with Melissa.
Explore eligibility →Team Alves • NEXA Mortgage • Serving California
Your service. Your benefit.
Your next home.
Explore VA home loans with personal guidance from Melissa Alves. From your first home to your next move, let's put your home loan benefit to work.
Request VA Loan Information →Start Your ApplicationOr text VA to 209-441-6152 • Questions? Call Melissa at 209-702-8480
0% down optionFor qualifying purchases
No monthly PMIKeep more in your budget
California-wide guidanceOne person to help you move forward
YOUR VA HOME LOAN RESOURCE
A clear path to your next chapter.
Find answers, explore your options, and take your next step with confidence.
02 / REFINANCE
Already own a home?
Explore an IRRRL for an existing VA loan or compare cash-out refinance options for your goals.
See refinance options →03 / PAYMENT
Plan your home budget
Estimate your payment, including property taxes and homeowners insurance, before you shop.
Use the mortgage calculator →MAKE THE MOST OF YOUR BENEFIT
More room for what matters.
A VA-backed loan is made by a private lender, with a portion guaranteed by the U.S. Department of Veterans Affairs. That benefit can open the door to valuable purchase and refinance options.
Talk With Melissa0% downAvailable for eligible purchases, subject to entitlement and appraised value.
No monthly PMIVA loans do not require monthly private mortgage insurance.
Competitive termsCompare your rate, closing costs, and full monthly payment.
A reusable benefitYou may use your benefit again, subject to entitlement and eligibility.
BEGIN WITH THE BASICS
Let's review your VA eligibility.
Veterans, active-duty service members, qualifying National Guard and Reserve members, and certain surviving spouses may be eligible.
Your COE confirms service-related eligibility. Loan approval also depends on credit, income, property requirements, and underwriting.
What to have ready
- Certificate of Eligibility, if available
- Service documentation, such as your DD214
- Income and employment information
- Your target payment and homebuying timeline
Don't have your COE yet? Ask Melissa about help obtaining it.
Call 209-702-8480 →PURCHASE OR REFINANCE
The right option starts with your goal.
VA Purchase
Buy a primary residence with your eligible VA benefit. Review your budget and pre-approval before you begin home tours.
Start a purchase application →VA IRRRL
Have an existing VA-backed mortgage? An Interest Rate Reduction Refinance Loan may help improve your loan terms, subject to program requirements.
Discuss your existing loan →VA Cash-Out
Explore accessing home equity or refinancing a non-VA mortgage into a VA-backed loan. Eligibility, equity, and underwriting requirements apply.
Compare your options →Refinancing involves costs and may extend your loan term or increase total interest paid, even if your monthly payment decreases.
FROM FIRST CONVERSATION TO KEYS
Your next steps, made clear.
STEP 1
Connect & prepare
Tell Melissa your goals. Review your COE, budget, and documents.
STEP 2
Get pre-approved
Complete your application and review financing before you shop with your Realtor.
STEP 3
Find home & close
After an accepted offer, move through appraisal, underwriting, and closing with guidance.
Your VA loan questions, answered.
Does 0% down mean no cash to close?
No. Closing costs, prepaid taxes and insurance, and a VA funding fee may apply. A down payment may be required depending on entitlement and the relationship between purchase price and appraised value. We can review your estimated cash to close.
What is the VA funding fee?
It is a one-time program fee that varies by loan type, prior use, and down payment. Some borrowers are exempt. Melissa can help review the fee or exemption that may apply to you.
Can I use my VA benefit more than once?
Yes, the benefit may be reusable. Available entitlement and restoration rules affect your options, so review your COE and current or previous VA loans before moving forward.
Is a COE the same as loan approval?
No. A COE documents your service-related eligibility. The lender must also review your credit, income, ability to repay, and the property.
Can you help me buy anywhere in California?
Melissa Alves serves eligible buyers and homeowners throughout California, including the Central Valley and Sacramento region.
YOUR NEXT MOVE STARTS HERE
Let's talk about your VA home loan.
Personal guidance from Melissa Alves, NMLS #1993867.
Alves Mortgage Team • NEXA Mortgage
General information only. All loans are subject to eligibility, credit, income, property approval, and underwriting. Terms and programs may change. NEXA Mortgage is a private lender and is not affiliated with or endorsed by the Department of Veterans Affairs or any government agency. Official VA home loan information.
