Oscar Castillo
"Residential" Real Estate

Veteran & Active Military

San Diego,  CA

 VApro Certified REALTOR - Oscar Castillo covers all San Diego (858) 775-1057

VA Pro Certified REALTOR® - Oscar Castillo : BROKER

4 HOME SALES - REALTY     San Diego, CA

(858) 775-1057     

* Very helpful links to Frequently Asked Question's listed below.

 Veteran current "active" military VA REALTOR - Oscar Castillo covers all San Diego (858) 775-1057

Hello and Thank You for your dedication to the military by serving and protecting this great country of ours. 

My Real Estate experience with most military personnel (past or currently serving) has been that a small percentage were not fully aware of the benefits of the VA home loan program or how to go about getting a VA Loan.  You will be surprised how many VA eligible individuals are "out there" going about their daily business and not even knowing if they qualify for a VA home Loan.

I consult Veterans and current active military individuals like yourself to get out of military housing and to get out of the mode of making RENT payments.  How you ask? … By helping you to better understand your VA housing benefits and how to utilize them to purchase a home.  

Just think about it,  as of late the housing trend and a Real Estate industry known fact is that rents are going up .  Currently housing prices are very affordable, VA home loan interest rates are very competitive and more than likely the rates will be less than Conventional or FHA loans.  You may even be in a situation where a Mortgage payment maybe less than or equal to a Rental payment you are currently making.  Having said that,  are you ready to explore the next step that will take you closer to that of becoming a homeowner through obtaining a VA home loan? .

Given the current stricter more stringent home mortgage lending environment,  it can be said that it is hard to believe that somebody can buy a house with “zero” down payment.   But it is  true, the VA home loan program has been a major springboard to homeownership for more than 18 million veterans since its inception in 1944.  The VA home Loan program is there for you - use it to your advantage. 

A little informational "Nugget" for you here: .. There was 36,126 total houses, condo's, twinhomes and townhomes "SOLD" within San Diego County last year 2020.  And of that number, only 5,468 were purchased via "VA Financing" (15.1% of the 36,126 total).  Having said that, San Diego is a Military town correct ? So wouldn't it be great if we had more Veterans and/or Current Active military personnel buying more homes than last year?  The dream of home ownership (utilizing VA financingcan become a reality for you..

Therefore, make it a point to contact Oscar Castillo : a BROKER - REALTOR®  who is a San Diego area VA Home Sales Specialist.

By the way the 2021 VA "zero down" Loan Limit in San Diego has been "eliminated", therefore there is NO VA Loan Limits anymore - at least for this current period. The VA no Loan Limit for last year 2020 was the same as what is applicable in 2021.

I understand that you may have questions and/or you may have a need to know "more detail" in regards to the VA Home Loan Program.  With that in mind,  what I have done is put together a list of most commonly asked questions with detailed answers.... so when you have a moment, check-out the Links below,  each contain great information for you.

Remember “knowledge is power”.  You can thank me later for making all this information accessible to you.

 Click Links below  

Frequently Asked Questions  


Benefits of VA Loan

Eligibility Requirements – VA Loans

Understanding and purpose of a VA Loan

Is a VA Loan my best option?

First Time Buyers – VA Loans are perfect

Down Payments on a VA Loan

VA Loan Process – How does one go about it?

Funding Fees – VA Loans

Checklist (items needed) to start the VA Loan process

Potential Borrowers eligibility and entitlement VA Loan requirements

Loan Limits & Basics – VA Loans

Buyers protection – VA Loan

Closing Costs - VA Loan

Other VA items you need to know about acquiring a VA Loan

Mortgage Rates – VA Loans

VA Loan vs FHA Loan - What's The Difference?

What If I have Bad Credit ?

Can I purchase a home after a Foreclosure or Short Sale on my previous home?

VA Loan Myths – explained and let’s dismiss them

Is there a Prepayment Penalty with VA Loans

VA Appraisal Process – How it Works

Can I buy a Short Sale or Foreclosed (REO) home using a VA Loan?

Acceptable Mortgages Types using VA loans

Unacceptable Mortgage Types of VA home loan program

Assumable loans are acceptable with VA Loans?

Can I buy a Condo with a VA Loan?

What is “Underwriting” in regards to a VA Loan?

Rental Income, Occupancy and Refinancing Rules

Home Equity Refinancing – VA Loans

IRRRL Closing Costs - Interest Rate Reduction Refinance Loan

VA Streamline Refinance

Temporary Residence Adaptation Grant (TRA)- Extension

Disabled Veterans - Specially Adapted Housing Benefits from the VA

Who Services VA Mortgage Loans

Short Sale policy with PCS orders


Other basic FAQ’s (shorter answers) – VA Loans 


Note:   Always know that I will be with you and guide you through every "step" during your VA home buying process.

If you have any questions,  feel free to contact me anytime....  I will always make it a point to make myself available for you.


Oscar Castillo


(858) 775-1057

DRE# 01140298

eMail   Oscar@OscarSellsHomes.com



  VA REALTOR for Veterans & Current Military - Oscar Castillo; Broker Associate  (858) 775-1057  


    Veteran and current "active" military VA REALTOR-Oscar Castillo covers all San Diego (858) 775-1057












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