Berkeley is the university city on the east shore of San Francisco Bay, famous for the UC Berkeley campus and for streets of brown-shingle and Craftsman homes that climb from the flats into the Berkeley Hills. We help Berkeley buyers, homeowners and investors with jumbo, conventional and multi-unit financing, refinances and equity lines. For veterans and service members in Berkeley, a VA loan often means buying sooner and keeping savings in the bank. We handle the Certificate of Eligibility, explain the funding fee and exemptions, and structure the loan so the offer competes with conventional buyers.
Call Pacific National Lending for VA loans in Berkeley: (916) 526-2700
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Berkeley is one of the most competitive markets in the Bay Area, with homes commonly selling far above list price, so buyers need a fully underwritten pre-approval and a lender who can close fast with few contingencies. Most homes are close to a century old, which puts foundations, seismic work and appraisal condition in play, and duplexes, backyard cottages and rent-controlled multi-unit buildings each have their own financing rules. Instead of mortgage insurance, VA charges a one-time funding fee that can be financed into the loan, and veterans receiving VA disability compensation are exempt from it. We calculate the fee for your specific situation so the true cost of a VA loan in Berkeley is clear from the start.
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Housing includes brown-shingle and Craftsman homes in Elmwood, Claremont and North Berkeley, period-revival homes in Thousand Oaks, bungalows in Westbrae and South and West Berkeley, view homes in the Berkeley Hills, and condos near downtown and campus. Our VA loan process in Berkeley starts with pulling your Certificate of Eligibility, then a fully underwritten pre-approval, appraisal and closing, typically within about three weeks of an accepted offer. One loan officer stays with the file, and we coordinate directly with your agent and escrow.
Military families relocating to Berkeley from another duty station can complete the entire VA loan process remotely with us, from application to closing, and we are used to working around deployment schedules and PCS timelines.
Pacific National Lending serves Elmwood, Claremont, North Berkeley, Berkeley Hills and the rest of Berkeley for VA loans. Berkeley is about an hour and forty minutes from our Gold River office via I-80.
Ready to talk about VA loans in Berkeley? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: VA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Sather Tower from Memorial Glade" by Coolcaesar, CC BY-SA 4.0.
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