VA Home Loans · San Diego, CA

VA home loans in San Diego, from a local lender that answers the phone.

Hyde Funding helps active-duty service members, veterans, Guard and Reserve members, and surviving spouses buy and refinance with VA loans across San Diego County, from Coronado to Camp Pendleton and Miramar to Chula Vista.

By Steven Hyde, Founder, NMLS #391380 · Last reviewed November 2, 2026

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Free VA Loan Consultation

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What I'm Looking For

By submitting, you agree to be contacted by Hyde Funding regarding your inquiry. We never sell your information. Hyde Funding is not affiliated with the U.S. Department of Veterans Affairs.

Short answer

Who does VA loans in San Diego?

Hyde Funding is a San Diego mortgage lender, founded in 2015, with an office on Miramar Road near MCAS Miramar. We close VA purchase loans, VA jumbo loans, VA IRRRLs and VA cash-out refinances (up to 90% loan-to-value, and higher in some cases) for military families throughout San Diego County. Eligible borrowers with full entitlement can buy with $0 down and no monthly mortgage insurance.

Nearby installations

Military bases near San Diego

Naval Base San Diego (32nd Street)

Pacific Fleet surface ships; families often look in National City, Chula Vista, Bonita, Paradise Hills and Point Loma. Read the guide →

MCAS Miramar

Marine aviation; Mira Mesa, Scripps Ranch, Rancho Peñasquitos, Clairemont, Tierrasanta and Poway are common commutes. Read the guide →

Naval Base Point Loma

Submarine and Navy Information Warfare commands; Point Loma, Ocean Beach and Liberty Station nearby.

Naval Base Coronado / NAS North Island

Coronado, Imperial Beach and the South Bay. Read the guide →

Marine Corps Recruit Depot San Diego

Near Old Town and Point Loma.

Marine Corps Base Camp Pendleton

North County: Oceanside, Vista, Fallbrook, Carlsbad, San Clemente. Read the guide →

Neighborhoods

Where San Diego VA buyers look

●Point Loma

●Clairemont

●Mira Mesa

●Scripps Ranch

●Tierrasanta

●Serra Mesa

●Chula Vista

●National City

●Bonita

●Imperial Beach

●La Mesa

●El Cajon

●Santee

●Poway

●Escondido

●San Marcos

●Carlsbad

●Oceanside

Local know-how

What's different about a VA loan in San Diego

Condos and HOAs

Much of San Diego's entry-level stock is condos. A condo project must be VA-approved (or approvable) before you can use VA financing, so check the VA condo list before you write an offer. Learn more →

Above the conforming limit

San Diego County is a high-cost county, so many purchases land above the baseline conforming limit. With full entitlement there is no VA loan limit; with partial entitlement the county limit determines your down payment. Learn more →

California property tax help

Qualifying disabled veterans may be eligible for California's Disabled Veterans' Property Tax Exemption, which lowers the assessed value of a primary home. Learn more →

Buying with PCS orders

You can close on a San Diego home before you report, using your orders and new-duty-station BAH. 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

San Diego VA loan questions

Can I buy a home in San Diego with $0 down using a VA loan?

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

Is there a VA loan limit in San Diego County?

Not if you have full entitlement. Loan limits only matter when part of your entitlement is tied up in another VA loan. In that case, the San Diego County limit published each year by the FHFA/VA determines how much you can borrow with no down payment. See our VA jumbo guide for the current figure.

Can I use BAH to qualify?

Yes. BAH is non-taxable income and lenders count it toward qualifying, along with base pay and other eligible allowances.

How much can I take out with a VA cash-out refinance?

Hyde Funding offers VA cash-out refinances up to 90% of the home's appraised value, and higher in some cases, depending on the borrower and program.

What if my credit needs work?

Apply anyway. We review every file. If your credit needs significant work, we can refer you to a third-party credit repair partner and map out a plan to get you approved.

Can surviving spouses use a VA loan in San Diego?

Yes. Eligible un-remarried surviving spouses can get a VA loan and are generally exempt from the VA funding fee.

Your loan officer

Meet Steven Hyde

I founded Hyde Funding in 2015 in San Diego. Our office is at 8996 Miramar Rd., Suite 250, minutes from MCAS Miramar, and you work with me directly from preapproval to closing. Hyde Funding is a lender that shops multiple lenders, so I compare VA pricing from more than one lender for your loan. I work in English and Spanish.

Steven Hyde, Founder · NMLS #391380 (NMLS Consumer Access) · (858) 775-1005 · LinkedIn

Last reviewed November 2, 2026 by Steven Hyde, NMLS #391380.

Client reviews

What San Diego clients say

5.0 on Yelp (16 reviews) · 4.97 on Zillow (38 reviews), as shown November 2, 2026. Excerpts from public Yelp reviews; read them in full on Yelp.

I'm relatively new to San Diego (from Canada) and Mr. Steven Hyde helped me with my first home purchase and mortgage loan. He walked me through the entire process step-by-step…

Jianhua Z.

Yelp · April 2022

We had a seamless pre-approval/approval and then final closing docs process with Hyde team (Steve & John). This is our 3rd loan which have closed with them…

Varsha A.

Yelp · May 2023

Steven Hyde is a pleasant professional to work with when securing either a new loan or refinancing a mortgage loan. I have worked with him on both for my current property.

Jeremy H.

Yelp · October 2019

Read all reviews on Yelp · Read reviews on Zillow