The VA Loan, Straight Story (for veterans)
Who qualifies, what it really costs, how much house you can buy, and mistakes to avoid. 7 minutes.
Watch on YouTubeEd Parcaut · Mortgage strategist in Modesto, California · NMLS #235384
YOUR MORTGAGE IN MODESTO.
YOUR BIGGER PICTURE.
Based in Modesto and working with buyers, veterans, retirees, and business owners across the whole state of California. A good mortgage conversation starts with your life, your plans, and what you need the home to do for you.
VETERAN
TO VETERAN.
TO VETERAN.
For veterans & military families
YOU EARNED THE BENEFIT.
LET’S UNDERSTAND THE OPTIONS.
As a Navy veteran, Ed knows a VA loan is more than another program on a rate sheet. Start with eligibility, your income, your goals, and the home you want to buy.
- VA purchase. Buy in California with no down payment on full entitlement, no monthly mortgage insurance, and VA jumbo above the county limit.
- VA streamline (IRRRL). Already hold a VA loan? Lower the rate with less paperwork, usually no new appraisal.
- VA cash out. Put your equity to work, or move a conventional or FHA loan onto VA financing.
- Review your Certificate of Eligibility and entitlement, including using it more than once.
VA and lender credit, income, and occupancy requirements apply. Review VA eligibility guidance.
FREE VA CLASSES
Watch before you buy. Or before you write the offer.
Two short free classes from Ed. One for veterans, one for real estate agents.
VA Then vs. Now (for agents)
The 12 VA loan changes that win you deals other agents walk away from. 8 minutes.
Watch on YouTubeLoan Squad is a division of Lending For Living Inc, NMLS 855360, CA DRE 01907016. Ed Parcaut NMLS 235384, CA DRE 01077454. Not affiliated with the U.S. Department of Veterans Affairs. Educational only; not a commitment to lend. Equal Housing Opportunity.
YOUR HOME.
YOUR RETIREMENT.
YOUR RETIREMENT.
Retirees & homeowners
PUT HOME EQUITY
IN THE CONVERSATION.
Explore whether a reverse mortgage makes sense alongside your retirement plans, housing needs, and other options.
- See how a reverse mortgage works in California.
- Refinance the home you have, or use one to buy your next home.
- Understand the obligations before you decide.
A reverse mortgage is a loan. Interest and fees increase the balance. You must meet the loan’s occupancy, property tax, insurance, and maintenance obligations. Understand the responsibilities.
OWNER
TO OWNER.
TO OWNER.
Entrepreneurs & business owners
YOUR INCOME MAY LOOK DIFFERENT.
LET’S LOOK CLOSER.
Business ownership deserves a thoughtful review of how your income is documented and which mortgage options may fit.
- Compare conventional, FHA and VA using your tax returns.
- Or qualify on bank deposits with a bank statement loan.
- Buying a rental? A DSCR loan qualifies on the rent. See investor options.
Program availability and requirements vary by lender and by your individual file.
RENTALS
THAT PAY.
THAT PAY.
Real estate investors
BUYING A RENTAL?
LET THE PROPERTY MAKE THE CASE.
Compare the loan options for investment property, from qualifying on the rent to a regular investment loan.
- Qualify a rental on its rent with a DSCR loan.
- Compare a conventional investment property loan.
- Self employed investor? See the bank statement loan.
Program availability and requirements vary by lender and by your individual file.
A stronger starting point
BEFORE THE OFFER.
DO THE HOMEWORK.
A fully underwritten pre-approval puts verified information in front of an underwriter early, helping identify conditions before you commit to a home.
Define the goal
Review your timeline, comfort with the payment, available funds, and the bigger financial picture.
Review the file
Document income, assets, and credit. Pursue a fully underwritten pre-approval where available.
Move with a plan
Understand the remaining conditions, property requirements, and next steps before closing.
Pre-approval is not a commitment to lend. Final approval remains subject to lender requirements, property approval, remaining conditions, and changes in your financial circumstances.
Start with the questions
LET’S CLEAR
A FEW THINGS UP.
Do I need to know which loan I want?+
No. Start with your goals and financial picture. Ed can help you compare the options that may be available to you.
What should I have ready for our first conversation?+
Your approximate purchase budget or refinance goal, timeline, income sources, monthly debts, and available funds are a helpful starting point. Your document list will depend on your situation.
How is fully underwritten pre-approval different?+
An underwriter reviews your documented financial file earlier in the process. It can help surface conditions sooner, but it does not remove the need for property approval or satisfaction of final loan conditions.
Can we talk before I complete the application?+
Absolutely. Request a free 30-minute consultation to discuss where you are, what you want to do, and what comes next.
Ed ParcautBuilding personal wealth through home ownership.
Most people do not save for retirement. For them, the only way to build personal wealth is through home ownership. Therefore, I love my job of helping people finance their home.
Reviews on Google
WHAT CLIENTS SAY
ABOUT WORKING WITH ED.
5.084 Google reviewsRead them on Google
Working with Ed Parcaut on our vacation home purchase was an outstanding experience from start to finish. Ed's expertise and deep knowledge of the lending process made everything feel seamless. He took the time to explain every step clearly, answered all of our questions with patience, and helped us navigate the unique aspects of financing a second home with confidence. What truly stood out was Ed's responsiveness and efficiency. No matter the time or situation, we always received quick updates and fast answers, which made the entire process move smoothly and on schedule. His professionalism, attention to detail, and commitment to excellent service exceeded our expectations. I highly recommend Ed to anyone looking for a knowledgeable, reliable, and highly responsive lender — for any home purchase.
It was quick and easy. Ed was very helpful and knowledgeable thoughout the process. I’ve never see other Va loans and it wasn’t as smooth. If I buy another house lol I will be calling Ed to walk me through it. Thank you Ed
Ed made the loan process simple and straightforward. He was there to answer any and all questions. I would highly recommend him for any of your loan needs. If we refinance in the future we will definitely be using him.
Ed and his team were Fantastic handling my loan from start to finish. They were very professional and super helpful. I would highly recommend them for your next home loan. Thanks again, Carl Berndt
Ed made the process so easy and simple for my wife and I. When we had questions, he had answers. He communicated with us constantly and clearly. I absolutely recommend his services. Owning our forever home post-military retirement and finally settling down and raising our family has been our goal for a long time and Ed helped make that a reality for us. Thanks again Ed!
Reviews are shown as published on Ed’s Google Business Profile. Google provides up to five of them here.
Your next chapter
Get clarity before you commit.
A free, 30-minute mortgage consultation. Your questions, your goals, and a practical next step.