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By Steven Hyde, Founder, Hyde Funding · NMLS #391380. Reviewed October 20, 2026. Hyde Funding is a mortgage lender headquartered on Miramar Rd. in San Diego, lending since 2015, and is not affiliated with the U.S. Department of Veterans Affairs or the Marine Corps.
Short answer: Most Camp Pendleton buyers look in Oceanside, Vista, Fallbrook, Carlsbad or San Marcos in San Diego County, in Temecula or Murrieta in Riverside County, or in San Clemente in Orange County. Pick the area by the gate you will use. With full entitlement, county loan limits don’t cap your VA loan. Call (858) 775-1005 to start.
Camp Pendleton is large, and your work area on base matters as much as the town you live in. The base lists these gates: Main, San Luis Rey, Del Mar, Fallbrook, Las Pulgas, San Onofre and Cristianitos. Hours differ by gate and change from time to time, so check the base’s gate hours page before you plan a commute.
Tour your top picks at your real commute hours. A short drive on the map can take much longer when traffic peaks.
With PCS orders to Camp Pendleton, you can often start pre-approval before you move. Lenders can usually work from your orders, LES and Certificate of Eligibility. See buying with PCS orders.
Yes. When documented with your LES and orders, Basic Allowance for Housing can generally count as income for a VA loan. It is often grossed up as non-taxable income under lender guidelines. Your rate depends on your duty station ZIP, pay grade and dependents, so look up your own figure on the DoD BAH calculator. See how BAH counts toward a VA mortgage.
VA also checks residual income, the money left each month after your housing payment, debts and living costs. See VA residual income.
Camp Pendleton buyers often shop across San Diego, Riverside and Orange counties, and each county has its own loan limit. If you have full entitlement, those limits don’t cap your VA loan. If you have reduced entitlement, the limit for the county where the home sits applies, and you may need a down payment above it. See VA jumbo loans and full entitlement.
Don’t rule yourself out. The VA doesn’t set a minimum credit score, and we look at your whole file. If your credit needs work, we can refer you to a third-party credit repair partner and help you plan your purchase. See credit repair before a VA loan.
Hyde Funding is a San Diego mortgage lender on 8996 Miramar Rd., Suite 250, lending since 2015. We help Marines, sailors, veterans and families buy across North County, Riverside County and beyond. Call (858) 775-1005, apply online, or ask any mortgage question.
Many commuters from Fallbrook, Temecula and Murrieta use the San Luis Rey Gate off SR-76. Fallbrook residents may also use the Fallbrook Gate on Ammunition Road. The best gate depends on where you work on base.
Common choices include Oceanside, Vista, Fallbrook, Carlsbad and San Marcos in San Diego County, Temecula and Murrieta in Riverside County, and San Clemente in Orange County.
Yes. VA loans work in any county. With full entitlement there is no VA loan limit. With reduced entitlement, the limit for the county where the home is located applies.
Mello-Roos are special tax assessments common in newer California communities. They are part of your housing cost, so they count in your debt-to-income ratio and residual income.
Often, yes. With orders, an LES and your Certificate of Eligibility, you can usually start pre-approval before you arrive.
Generally yes, when documented with your LES and orders. Your BAH rate depends on your duty station ZIP, pay grade and dependency status.
Steven Hyde, NMLS #391380. Equal Housing Opportunity. Hyde Funding is not a government agency and is not affiliated with the VA or the U.S. Marine Corps. This is general information, not a loan commitment; terms depend on credit, income, property, and lender approval.