Welcome To HomePromise

Call 800-720-0250 to speak with a Mortgage & Refinancing Expert!

There are many types of VA loans for California Veterans. There are different types of mortgage refinancing options available too. We understand your situation is unique. Therefore, we want you to talk to one of our team members today. Applying with us is always 100% free. That’s the HomePromise Way.



Lower Your Payment

Refinance with us to lower your monthly mortgage payment



Cash Out Now

Use your home to pay off debt or make home improvements



Get Pre Qualified

Get pre qualified with us to buy a home. It’s fast & easy


VA Loans & Mortgage Refinancing

Proudly Serving Active Military Members & Veterans Living In The Greater San Francisco, Los Angeles and San Diego Areas

The VA Home Loan program is the best mortgage choice for military members, Veterans, and their surviving spouses. For almost all Veterans, VA loans and mortgage refinancing terms provide a better choice over Conventional, FHA or USDA loans.  

Most importantly, the VA Home Loan benefit offers a no-money-down, fixed rate mortgage. This benefit provides a low-fee option for Veterans with service connected disabilities and surviving spouses meeting eligibility requirements set in place by the Department of Veterans Affairs.


100% LTV VA Cash Out Refinance

VA cash out refi loans can help pay off high interest credit card debt or help make home improvements. Most lenders cap the loan amount at 90% of the home value. Not HomePromise! We offer a 100% LTV VA loan.  


Non-Veteran, Non-Occupant, Non-Spouse Joint VA Loans

Some Veterans are confident on their own when applying. Others may feel safer taking on their monthly payment by adding a co-borrower. With us, adding a non-Veteran or non-spouse co-borrower is certainly an option that many other lenders won’t offer.


Get A VA Loan Review With Us Today

Are you in the right VA loan?  If you’re buying a home, are you aware of discounts on VA fees that are available?  Our VA loan review gets you expert advice to guide you through the complex options for VA loans.


VA Loans, Foreclosure & Bankruptcy

Yes, there is hope after a foreclosure or bankruptcy. Even if you have been late on your mortgage payments in the last 12 months, contact us today to see if you qualify.


Is Your Credit Score below 640?

A Veteran with a lower credit score usually means you have great challenges getting a VA loan. But, not all VA lenders will deny your loan under 640. HomePromise considers credit scores below 640, call now to see if you qualify.


Do You Need A Second VA Loan?

Take advantage of your military service benefits today! Discover the difference HomePromise makes when it comes to second VA loans and mortgage refinancing options.


We Close Loans Other Lenders Cannot!

Whether you’re a Veteran or not, HomePromise closes loans other lenders cannot. We understand your situation is unique so we offer other types of loans and refinancing options. So, if you’ve been denied by others, do not lose hope. We may still be able to help. If you are looking for an Asset based Mortgage or an alternative to a Home Equity Line of Credit (HELOC), contact us today. Even if your credit is less than perfect!

Asset Based Mortgages

An asset-based mortgage loan uses assets instead of income during the loan approval process. An asset-based mortgage is best when retired or living on a fixed income. 



Searching For HELOC Alternatives

Your rate may start low, but it can change over time. Some banks and credit unions allow the rate to rise to extremely high levels. That’s why you should be cautious when considering a HELOC. We have alternatives.


Apply For Log Home Financing

 Some lenders find log homes difficult to finance. We make mortgages for log homes even when appraisers struggle because there are no comparable sales nearby.



A couple quick questions and you’re on your way to getting a free quote. So fast you’re done before you finish your cup of coffee.


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Let our team of experts help you find the best loan at a great rate. Use the form above to contact us today!

“I just want to thank you very much for your work to help us refinance our loans. I know you had to do so much work for us and we really appreciate it. If I know anyone who wants to buy a home or refinance I will do my best to refer you to them. Again, thank you very much.”

Mary from Hanover, PA

“My mother recently had a refinance with HomePromise. The process was easy for her (and I) to follow. The loan representative, Chris Gaus was very helpful and responsive for the entire process and explained everything. I would definitely recommend this company.”

Dorothy from San Diego, CA

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