WealthWise Mortgage Planning

The California VA down payment required to purchase a home is zero. But there are two requirements: One, you must be purchasing your home at, or below, the VA County Loan Limit; and two, you must have full or Remaining / Restored Entitlement to purchase. Refinancing a California VA Loan has never been easier. People refinance for many reasons—lower rate, consolidate debt, take cash for a purchase, take cash for college. The reasons are as endless as the individual. If you currently have a VA loan and your goal is to lower your Rate/Payment, we can possibly help you with a special guidelines for an “Interest Rate Reduction Refinance” with little to no qualifying! Yes, there is such a thing as a Jumbo Loan in California using your VA Loan Benefit. It’s kind of a little secret, though. While most lenders aren’t approved or qualified to do a VA loan, even those who are have no idea that Veterans can get a VA Jumbo Loan in California.

Andres Hernandez
5 Star
What an amazing experience! We had struggled with our previous lender to do what we believed was going to be a relatively straightforward process- what is called a "streamline VA refinance". On the bright side, it was because of that struggle that we found WealthWise Mortgage Planning. Andrew, Cindy, and Kim were amazingly knowledgeable about everything to do with refinance, and went the extra mile to ensure that our decision to go with them was truly the best for us and our family. Once we began the process with them, we were done in less than a month. We will be saving a significant amount of money due to their fast and honest process, for which we are very grateful! If you are trying to find good honest people to work with, look no further.
Sunday 28th March 2021

Mary Ann Kifer
5 Star
Andrew and his mortgage team service was simply the best ever! My husband is a disabled veteran and we were so amazed on how fast Andrew and his team serviced us to a refinance with excellent knowledge along with VA assistance throughout the entire process.
Tuesday 31st August 2021

Dana
5 Star
We have refinanced many times and it is always stressful. Cindy and Kim made the process quick and smooth. We were not utilizing my husbands VA mortgage benefits because our previous lender told us we could not due to our rural location. We spoke to Andrew who immediately assured us that was not true. We were able to refi at a much lower rate. They were always there to answer our questions and concerns. We were kept informed through the entire process. Andrew, Cindy and Kim are very pleasant and are extremely easy to talk to. I have and will continue to refer my family and friends.
Wednesday 18th December 2019

Jeff Hern
5 Star
Recently completed a VA refinance with Andrew & his team. Every thing went great & no complaints. Kim & Cindy who I had the most contact with were great & answered every question & explained everything through the process in great detail. During the pandemic & historical low interest rates they forwarned me of it taking extra long time frame to complete & it did but they contacted me pretty much weekly with updates & items that needed attention. Would recommend them
Friday 15th January 2021

Cheri Guffey
5 Star
The is the best, by far, office for planning and getting the right mortgage for your home! Someone almost always answers the phone, every message left was returned within the next 1 to 2 hours. Every email was answered just as quickly. Everyone in the office was extremely efficient at their jobs. Friendly, yet business like. They made my tasks of finding the right mortgage so much easier than any one I've ever worked with. I would highly recommend this office .
Thursday 14th January 2021