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VA PURCHASE & REFINANCE

Personal guidance. Clear choices. No call-center experience.

VA home loans in California & Florida.

For eligible veterans, service members, and surviving spouses considering a VA home purchase or refinance.

WHERE ARE YOU HEADED?

Buying a home?

Understand VA eligibility, plan your budget and prepare for your property search.

Refinancing?

Compare VA refinance paths, payments, upfront costs and the total cost over time.

Talk with us

Ask general questions before choosing a property or deciding to refinance.

Verify our company

What happens when you contact us?

Tell us whether you’re buying, refinancing or exploring your options. We’ll discuss your goals, answer your questions and explain the next steps including which documents may be needed. You can ask questions before applying.

BORROWER EXPERIENCES

Hear from our borrowers.

See what people say about working with American Veteran Mortgage.

Already worked with us? Leave us a review on Google →

Reviews reflect individual experiences and do not guarantee loan approval, terms, timing, or future results.

Read borrower experiences on Google.

Reviews describe individual experiences. Approval, terms and results vary.

What Our Customers Say

    
 
 
       Posted on Google  
   
   J B 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend David Stoll, owner of American Veteran Mortgage. David has now successfully handled my second home mortgage, and just like the first time, we were able to close escrow in record time!

David is extremely knowledgeable, genuinely cares about his clients, and understands how overwhelming the mortgage process in California can be. He stays on top of every detail, is always available to answer questions, and provides guidance and reassurance throughout the entire process.

What really sets David apart is his professionalism, honesty, and decades of experience. He lives and breathes the financial markets and is straightforward about potential risks, helping you make informed decisions with confidence. You always feel that he has your best interests in mind.

Having now worked with David on two home purchases, I wouldn’t consider going anywhere else for my mortgage needs. I will absolutely be reaching out to him for my next home-buying endeavor.

If you’re looking for a knowledgeable, trustworthy, and highly experienced mortgage professional who delivers results, David Stoll and American Veteran Mortgage are the way to go!
  
 
      Posted on Google  
   
   Sadie Feldman 
 
 
 
 Trustindex verifies that the original source of the review is Google. David was such a joy to work with. He is very knowledgeable, quick, efficient, and he genuinely  cares about his clients. He was so fast we had the option to close three weeks earlier if we wanted to! I would 100% work with David again.
  
 
      Posted on Google  
   
   Maritza Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. I worked with David a few years ago. He's a good source of information and he will make the mortgage process very simple. Just follow his instructions and you will be at no time in a new home. He's funny but knows everything about mortgages and you are afraid to ask questions.
  
 
      Posted on Google  
   
   linda settle 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best experience I've ever had with a mortgage broker and there were lots of sticky problems with this property. Highly recommend.
  
 
      Posted on Google  
   
   James Moreau 
 
 
 
 Trustindex verifies that the original source of the review is Google. David made the process effortless by doing all the heavy lifting and walking us through with clarity each step of the way.Thank you!
  
 
      Posted on Google  
   
   Michelle Ferreira 
 
 
 
 Trustindex verifies that the original source of the review is Google. David was incredible to work with! His communication was excellent, and he processed our client’s VA loan incredibly fast. We were able to close what was scheduled as a 30-day VA escrow in just 15 days!

As a Realtor, I truly appreciate working with lenders who are responsive, efficient, and keep everyone informed throughout the process. I highly recommend David to anyone looking for a knowledgeable and reliable loan officer.
  
 
      Posted on Google  
   
   Juan Reyes 
 
 
 
 Trustindex verifies that the original source of the review is Google. David is a great person that is attentive to what I need and makes sure he explains what is being said in a way I understand.  David made the impossible very really for me. And I really appreciate this. Thank you David
  
 
      Posted on Google  
   
   Kyle Yaklin 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had the opportunity and privilege to work with David for many years. I can confidently say he’s one of the most reliable and knowledgeable mortgage brokers in the business. His attention to detail, communication, and commitment to getting deals done the right way truly set him apart.

What stands out most is how much he genuinely cares about his clients and partners. He goes above and beyond to make sure every file is structured properly, every question is answered, and every borrower feels confident throughout the process. That level of professionalism makes a huge difference, not just for borrowers, but for everyone involved in the transaction.

As a business partner, he’s consistent, proactive, and solutions-driven. Whether it’s navigating a tough deal or finding creative ways to make something work, he shows up every time

Optional: estimate a mortgage payment

PLAN YOUR PAYMENT

Mortgage payment calculator

Enter your own assumptions to explore a fixed-rate payment. The website supplies no interest rate or loan offer. This calculation does not establish which terms are available to you.

Not sure which numbers to use? Ask for property taxes from the county or listing records, an insurance estimate from an insurer, and association dues from the property documents. An interest rate is only your chosen assumption until a lender provides terms. Help me understand these numbers.

Home price $ Down payment $ Assumed fixed interest rate % per year · not a quoted rate Loan term years

Taxes, insurance, HOA & other costs

Enter property-specific tax, insurance and association estimates when known. Blank costs are excluded from this calculation; they are not assumed to be zero costs for the property. HOA means homeowners association; enter any monthly association dues separately. A zero amount does not mean the property has no cost.

Property taxes $ per year Homeowners insurance $ per year HOA dues $ per month Other amount financed $, optional

Illustrative Monthly Payment

Principal & interest: $0
Property taxes: $0
Homeowners insurance: $0
HOA dues: $0

Enter values above to see an illustrative monthly payment.

Talk With AVM

A MORTGAGE BROKER ON YOUR SIDE

Start with your goal and your questions.

Buying a home? We can explain how VA eligibility, your budget and property requirements fit together.

Refinancing? We can help you compare your current mortgage with a proposed loan including upfront costs, the new term and the total cost over the time you expect to keep it.

You can contact us before gathering documents or starting an application.

CALIFORNIA & FLORIDA

Explore guidance for your state.

California

Research property taxes, insurance and condominium requirements for the home you are considering.

Mission Viejo

San Diego & Coronado

NAS Lemoore

Florida

Check flood information, insurance estimates and association documents before comparing property costs.

Tampa Bay & MacDill

Jacksonville & Mayport

Pensacola

Send documents only through AVM’s approved secure process not through this checklist.

BEYOND VA

Other mortgage programs, when another path fits.

VA is our focus. These guides explain other mortgage programs and their tradeoffs. Ask us which options are currently available for your state, property and borrowing needs.

VA LOAN GUIDES

Eligibility, purchase, refinance and closing-cost guides.

VA LOAN QUESTIONS

Answers for California and Florida borrowers.

Who may be eligible for a VA home loan?

Eligibility may extend to qualifying veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. A Certificate of Eligibility documents benefit eligibility; lender and property requirements also apply.

Can a VA loan be used more than once?

The VA home-loan benefit can be used more than once, but another loan depends on available or restored entitlement, the plan for using the home, and lender approval. Selling a home or paying off a loan does not by itself confirm that entitlement has been restored; ask for a current COE and any required VA restoration review. Read VA’s explanation

What is a VA IRRRL?

A VA Interest Rate Reduction Refinance Loan often called an IRRRL or VA streamline refinance is designed to refinance an existing VA-backed loan. Qualification, costs, and net tangible benefit (a financial benefit that meets the VA rules for the particular refinance) requirements apply.

What should I do before applying?

Choose a purchase or refinance path, estimate a payment if useful, and talk with us about your goal. You can ask questions before opening the secure application.

What costs should I compare?

Look beyond a proposed monthly payment. Review cash needed at closing, fees, loan term, and total cost over the time you expect to keep the loan. Learn about VA closing costs →

Open the Loan Estimate comparison worksheet to review two actual offers side by side.

Publisher: American Veteran Mortgage Corporation. Editorial update: October 1, 2026. How these guides are prepared · Company verification

PRIMARY SOURCES

Verify the rules with official sources.

American Veteran Mortgage summarizes mortgage information for education. Transaction-specific requirements and current agency guidance control.

Source-check dates appear beside the statements they support. An editorial update does not mean every rule was reverified.