VA Loans
in Walnut Creek

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Are you a veteran, active-duty member of our nation’s armed forces, or surviving spouse? Did you know your VA benefits may qualify you for an affordable mortgage with zero down and no PMI?

With a VA loan, you can move into a beautiful Bay Area home now without a hefty down payment—even if you do not have perfect credit.

What is a Bay Area VA Loan?

A VA loan is a mortgage which the Department of Veterans Affairs (VA) has insured. This insurance helps to offset any risky factors in your borrowing profile, which in turn means you qualify for better loan terms.

Additionally, VA loans have a number of competitive features which keep financing as flexible and affordable as possible.

Benefits of VA Loans in Walnut Creek

VA loans in Walnut Creek and the surrounding region come with these excellent benefits:

Zero down on your mortgage.

No private mortgage insurance (PMI) requirement.

Closing costs ranging from 0-3%.

Competitive interest rates.

Funding fee waived for qualifying disabled veterans.

No prepayment fees.

Flexible credit qualification requirements.

With a lower risk profile, you have more bargaining power. As such, you may have an easier time getting a VA loan structured to accommodate your needs than you would a conventional loan.

What Can You Do With a Bay Area VA Mortgage?

You can use a VA loan for:

Home Purchase


Home Construction



Do You Qualify for a VA Mortgage in the Bay Area?

The only way to know for sure if you are eligible for a VA loan is to take an in-depth look at your service record and the requirements for the period when you served. But there is a good chance you qualify if:

You are a veteran, are currently active-duty, or you are an eligible surviving spouse.

You have served in any core military branch, and/or were activated in the National Guard or Reserve.

You have fulfilled the required minimum service commitment for the era when you were active. While that requirement varies, it typically is around 181 days during peacetime or 90 days during wartime.

If you need help figuring out the service minimum which is applicable for the time during which you served, that is something we can assist you with during your consultation.

VA Loan Questions and Answers

What Our Clients Are Saying

Troy Hess
Troy Hess
00:27 01 Nov 19
The entire staff at this place is awesome. Extremely patient and when they say they will do something it gets done! Very trustworthy and affordable. They have won my business. Next loan I am heading back to Bridgepoint Funding. Mike Trejo and his staff were the best. I am so glad the referral from another friend cathy Turney worked out so more
Sabrina Costa
Sabrina Costa
02:19 09 Oct 19
I can't even begin to explain how thankful I am to Mike Trejo and his team at Bridgepoint Funding. They were extremely patient with me. The whole experience had me leaving feeling so much better than when I came. From beginning to end, I know they had my best interests in mind and helped in so many ways. I for sure will be coming back when/if I ever need another home loan. I've highly recommended them to everyone I more
Chenoa T
Chenoa T
14:46 07 Sep 19
Mike Trejo was recommended by my real estate agent to broker the loan for my new home. Mike, Alex, and Maily are a dream team. They made a somewhat difficult and lengthy process (I had some extenuating circumstances that made my escrow 60 days instead of the more standard 30 days) and they were so patient and professional throughout. They answered all my questions and made sure to follow up and check in on a timely and consistent basis with me, the lender, and even the sellers of the home I was purchasing. I really feel they went above and beyond what the standard broker firm would do. I am so grateful for their support and guidance through the process. If you’re looking for a broker you can trust and that will fight for you and help make your dreams come true, look no further than Mike and his wonderful team at BridgePoint!read more
Evan Doherty
Evan Doherty
15:35 26 Aug 19
We've used Bridgepoint four different times -- two new mortgages & two re-fi's -- and they've been amazing for every single one! They're timely, detailed and super friendly. The entire crew is very helpful and will answer any question you have - they make the entire process incredibly easy. Highly, highly recommend!read more
Phillip Lavios
Phillip Lavios
00:01 13 Jun 19
Mike Alex, and Mailly are the best to deal with when refinancing your home, they made the process seamless, and cery painless! They were very patient with me, and I highly recommend them to refinance your home!read more
06:23 25 Apr 19
Mike is a lifesaver! After I found my dream house, I was working with another lender who was bringing new problems every day and delaying the process and keep promising. After 6 weeks time waste they said they cannot do my loan. That's when Mike came in like an angel and saved us. In less than 2 weeks he closed the deal and asking almost no additional documents. Very smooth process. It was a hard lesson for me that its very important to work with the right people, especially if you making one of the most important financial decisions of your life. And Mike and his team are definitely are the best people for it!read more
Eyebrow Plus, Inc.
Eyebrow Plus, Inc.
21:55 17 Jan 19
We had a great experience with Bridgepoint Funding. The loan process was smooth and faster than we expected. The Bridgepoint team is strong and well-coordinated.Thank you Alex, Mike and Maily for your much needed help!F. Aread more
Stephen Jotten
Stephen Jotten
23:50 29 Dec 18
This was the most smooth loan process my wife and I were able to have. Mike and his staff made sure we did not lose our first house. It was a seamless process.
Armando Troche
Armando Troche
08:51 23 Nov 18
Bridgepoint Funding was effective, reliable, and efficient. We switched from a different lender to find a better interest rate. Mike and his team worked quickly to gather our documents, secure the best interest rate, and get our loan squared away. Now we're living it up in our new home!read more
KelliCardenas PS video
KelliCardenas PS video
14:21 29 Mar 18
I have been working with Mike, Kim, and Alex for a lot of years and all of them go that extra mile when it comes to professionalism and customer service. I have worked with many different lenders over the years, but Bridgepoint Funding is the best by far! They do not discriminate against anyone, no matter what! They treat every client with respect and fairness. I know from experience that if your loan process hits a bump in the road, Mike and his staff always remain calm and the end results are a closed loan and a happy client. I would highly recommend the Bridgepoint funding staff for any lending more
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Apply Now for a Zero Down VA Loan in Walnut Creek

If you are excited to move into a Bay Area home with zero down, Mike and his team at Bridgepoint Funding are ready to help you find out if you qualify. Please call (925) 478-8630 to set up your consultation to apply now for a VA mortgage.

We are based in Walnut Creek CA, we serve customers in the San Francisco Bay Area. This includes Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and throughout California.

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