Naval Air Station Lemoore is the largest master jet base on the West Coast — home to more than 15,000 active duty, reserve, and civilian personnel. It’s also located in Kings County, one of California’s most affordable areas, which means your VA loan benefit goes exceptionally far here. A zero-down VA loan on a $350,000–$500,000 home in Lemoore or Hanford is one of the best wealth-building moves available to any Navy aviator or sailor.
DiVita Home Finance has closed VA loans for NAS Lemoore personnel buying across Kings and Fresno counties. We know the local inventory, the VA appraisal quirks in the Central Valley, and how to close in 21 days around a deployment or PCS timeline.
BAH Rates — NAS Lemoore 2026
| Pay Grade | Without Dependents | With Dependents |
|---|---|---|
| E-4 | $1,512 | $1,854 |
| E-5 | $1,620 | $1,989 |
| E-6 | $1,728 | $2,115 |
| O-3 | $2,052 | $2,511 |
| O-4 | $2,268 | $2,835 |
| O-5 | $2,511 | $3,051 |
Where to Buy Near NAS Lemoore
| City | Distance to Base | Median Home Price | Notes |
|---|---|---|---|
| Lemoore | 5 min | $330,000 | Most popular with enlisted; strong VA inventory |
| Hanford | 10 min | $360,000 | More amenities, good schools |
| Visalia | 25 min | $410,000 | Larger city, more dining/retail |
| Tulare | 30 min | $350,000 | Affordable; growing market |
| Fresno | 40 min | $375,000 | Metro amenities, VA-friendly lenders |
| Clovis | 45 min | $450,000 | Top-rated schools, newer suburbs |
VA Loan Limits — Kings & Fresno County 2026
With full VA entitlement, there’s no loan limit — you can buy any price home with zero down. Kings and Fresno counties are not high-cost counties, so the baseline conforming limit of $766,550 applies for reduced-entitlement borrowers. The good news: nearly every home in the Lemoore/Hanford/Visalia market is well under $766,550, meaning even borrowers with reduced entitlement can often buy with zero down.
VA Loan vs. Conventional Near NAS Lemoore
| Factor | VA Loan | Conventional 5% Down |
|---|---|---|
| Down payment on $380K home | $0 | $19,000 |
| Monthly PMI | None | ~$175/month |
| Funding fee (first use) | 2.15% financed | N/A |
| Rate advantage | Typically 0.25–0.50% lower | Baseline |
| Seller concessions allowed | Up to 4% | Up to 3% |
📞 PCS to NAS Lemoore or buying near the base? Call DiVita at (800) 239-1103 — zero lender fee on VA loans, 21-day close, 100% remote process. NMLS #323700 | Michael DiVita NMLS #241655.
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
