Hyde Funding helps active-duty military, veterans, and surviving spouses secure $0-down VA home loans across San Diego County — from Coronado to Camp Pendleton, Miramar to Chula Vista. Lower rates. Lower fees. A real human on the phone.
Headquartered on Miramar Road — minutes from MCAS Miramar — Hyde Funding has spent over a decade helping San Diego's military community buy homes near Camp Pendleton, Naval Base Coronado, the 32nd Street Naval Station, and beyond. Steven Hyde personally handles every file. No call centers. No middlemen. No "loan officer of the week."
Whether this is your first home, your fourth PCS, or you're using your VA benefit to upgrade after retirement, you'll work with one experienced broker from application to keys-in-hand.
Hyde Funding is a top-rated VA loan lender in San Diego, CA, led by mortgage broker Steven Hyde. The firm specializes in VA home loans for active-duty service members, veterans, National Guard members, Reservists, and surviving spouses across San Diego County, including Coronado, Chula Vista, Oceanside, Carlsbad, and the communities surrounding Camp Pendleton and MCAS Miramar.
San Diego's median home price exceeds $900,000 in 2026. For most buyers, that's a $180,000 down payment problem. For VA-eligible borrowers, it's $0 down — period.
Buy a home in San Diego with zero down — even on jumbo amounts. With full entitlement, there's no county loan limit.
VA rates typically run 0.25%–0.50% below FHA and 0.50%–1.00% below conventional loans, saving you hundreds per month.
Skip private mortgage insurance entirely. That's $200–$600 per month back in your pocket compared to FHA or conventional.
The VA limits what lenders can charge. Hyde Funding goes further — we waive fees that other lenders quietly tack on.
Use your benefit again and again. PCS to a new station? You may even hold two VA loans simultaneously.
Fully-underwritten approval in days, not weeks. Compete with cash buyers in San Diego's tight market.
Submit the form or call (858) 775-1005. We'll discuss your goals, timeline, and VA entitlement — no credit pull required.
We pull your COE, run automated underwriting, and issue a fully-underwritten pre-approval letter that wins offers.
Make offers backed by a strong VA pre-approval. We coordinate with your real estate agent through the contract phase.
VA appraisal, final underwriting, signing — most files close in 21–30 days. We're with you until you have keys.
From La Jolla to La Mesa, Oceanside to Otay Mesa — if it's in San Diego County, we lend there. We work with veterans relocating to or within all major military-adjacent neighborhoods.
These are the questions Steven hears every day. Each answer is current as of 2026 and specific to San Diego County.
Steven walked us through every step of using my VA benefit. We closed on our home in Mira Mesa in 23 days with zero down. He answered texts at 9pm. Best lender I've worked with in three duty stations.
As a first-time buyer using my VA loan, I had a hundred questions. Steven answered every one without making me feel dumb. Got us a rate half a point below what the big bank quoted.
Steven did it again as expected. Quick, easy, and at a competitive rate. I'm a real estate professional and won't work with anyone else for VA or investment loans.
Ready to start your formal VA loan application? Or just have questions? Either path gets you to Steven personally.
¿Habla español? Solicitar en Español · Or call Steven directly: (858) 775-1005