North Island NASVA Lender

North Island NAS
VA Lender
Military Home Loans
Military Home Loans


The team at Military Home Loans are your go-to VA Loan experts for California and San Diego! Our mission is to help active duty and veteran military members discover their VA loan benefits while assisting them to better navigate the process.


Ken and Karen Bates, both military veterans, started Military Home Programs in 2004, which became Military Home Loans in 2014. Their goal was to offer reliable assistance, transparency, and in-depth knowledge of the VA loan process. Now, Military Home Loans has been helping veterans for more than 16 years. 


Our 9-person team includes 6 licensed loan officers, all of whom are extremely well versed in all loan types, especially VA loans. At Military Home Loans, we value communication, transparency, and understanding. When you work with us, you’ll receive timely responses, regular updates on your escrow process, straightforward advice, and honest guidance. Our goal is for you to fully understand the mortgage process and your new home loan.


Be sure to ask about our Welcome Home Program for military buyers. This is an exclusive Military Home Loans offer you can earn up to $5000* towards your home closing costs. To qualify, you just need to be using your VA loan benefit and be buying in California, Arizona, and soon-to-be Virginia, Texas, and North Carolina.


We can’t wait to hear from you and help you start your home buying journey today!


NMLS #1169242US Lending Company 1850 Lic by the CA-DFPI under the CRMLA Equal Housing Opportunity



The VA Loan is a federal loan offered to veterans, military members and qualified military spouses created to help families purchase or finance their home during the home buying process. Each loan is issued by a qualified VA lender that determines the rates, terms and conditions of the loan based on VA rules and guidelines.

The VA Home Loan was created in 1944 by the United States government to help returning service members finance and purchase for their families without needing excellent credit or a down payment.

Due to the housing market crisis that happened between 2008 and 2012, traditional home loans can be more difficult to obtain due to the requirements.


No down payment required.

Qualified borrowers can take advantage of a VA loan without putting down a down payment.


Federal Loans do not require Private Mortgage Insurance, reducing the overall costs associated with the loan.


PMI (Insurance Required)

Private Mortgage Insurance is required for any home buyer that finances 80% or more of their home.

Standard Qualification Procedures

All standard approval procedures must be followed which makes it more difficult for a homeowner to qualify for financing a home.