VA Home Loans · Oceanside, CA

VA home loans for Oceanside and Camp Pendleton families.

Hyde Funding helps Marines, sailors, veterans and surviving spouses buy and refinance with VA loans in Oceanside and across North County San Diego.

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Short answer

Who does VA loans in Oceanside?

Hyde Funding is a San Diego mortgage lender, founded in 2015, that closes VA purchase loans, VA IRRRLs and VA cash-out refinances (up to 90% of appraised value, and higher in some cases) for Camp Pendleton families buying in Oceanside, Vista, Fallbrook, Carlsbad and the rest of North County. Eligible borrowers with full entitlement can buy with $0 down and no monthly mortgage insurance.

Nearby installations

Military bases near Oceanside

Marine Corps Base Camp Pendleton

Oceanside sits next to the main gate. Families also look in Vista, Fallbrook, Carlsbad, San Marcos and San Clemente. Read the guide →

Naval Hospital Camp Pendleton

On base, north of Oceanside.

MCAS Camp Pendleton

Marine aviation at the base airfield.

MCAS Miramar

About a 40-minute drive south for dual-military or commuting households. Read the guide →

Neighborhoods

Where Oceanside VA buyers look

●Downtown Oceanside

●South Oceanside

●Fire Mountain

●Mira Costa

●Ivey Ranch

●Rancho del Oro

●San Luis Rey

●Morro Hills

●Mission Ave corridor

●Vista

●Fallbrook

●Carlsbad

●San Marcos

Local know-how

What's different about a VA loan in Oceanside

2–4 unit homes

You can buy a duplex, triplex or fourplex with a VA loan if you live in one of the units. Rent from the other units can help you qualify. Learn more →

Coastal condos

Many beach-area condos and townhomes sit in HOAs that need VA project approval. Verify the project early. Learn more →

Loan limits

With full entitlement there is no VA loan limit. With partial entitlement, the San Diego County limit sets how much you can borrow with no down payment. Learn more →

Renting it out after PCS

Many Pendleton families keep their Oceanside home as a rental when they move. Plan for it at purchase. Learn more →

County loan limit note: San Diego County is a high-cost area. Its conforming and VA county loan limits are reset every year by the FHFA and VA. These limits only affect VA buyers with partial entitlement. See VA jumbo loans and San Diego County limits for this year's figure.

FAQ

Oceanside VA loan questions

Can I buy in Oceanside with $0 down using a VA loan?

Yes. Eligible borrowers with full entitlement can finance 100% of the price with no monthly mortgage insurance, subject to credit, income and appraisal.

Can I buy before I report to Camp Pendleton?

Yes. With PCS orders, you can usually qualify using your new-duty-station BAH and close before you arrive.

Is there a VA loan limit in Oceanside?

Not with full entitlement. With partial entitlement, the annual San Diego County limit determines how much you can borrow with no down payment.

Can I use a VA loan on a duplex in Oceanside?

Yes, for up to four units, as long as you live in one of them.

Does Hyde Funding offer VA cash-out in Oceanside?

Yes, up to 90% of appraised value, and higher in some cases.

What if my credit needs work?

Apply anyway. If your credit needs significant work, we refer you to a third-party credit repair partner and help you plan.