I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Call (800) 239-1103.
Riverside County and the broader Inland Empire are home to a significant veteran and active military population, with strong ties to March Air Reserve Base and proximity to Camp Pendleton and the greater Southern California military community. VA loans are one of the most powerful home buying tools available — and in the Inland Empire’s more affordable market, they go remarkably far.
VA Loan Advantage in the Inland Empire
Riverside County’s 2026 conforming limit is $832,750. VA loans can exceed this limit with no down payment for eligible borrowers with full entitlement. In a market where median home prices are significantly below those of coastal California, VA loans cover the vast majority of Inland Empire purchases with zero down — giving veterans a major advantage over conventional buyers who need 5–20% down.
Key VA Loan Benefits
- Zero down payment — no down payment required for eligible borrowers with full entitlement
- No PMI — unlike FHA or low-down conventional loans, VA has no monthly mortgage insurance
- Competitive rates — VA loans consistently offer below-market interest rates
- Flexible credit requirements — the VA doesn’t set a minimum credit score; most lenders start at 580–620
- Limited closing costs — VA rules restrict certain fees lenders can charge veterans
Cities We Serve
We originate VA loans throughout Riverside County including Riverside city, Corona, Moreno Valley, Temecula, Murrieta, Hemet, Perris, Jurupa Valley, Menifee, and Lake Elsinore, as well as San Bernardino County including San Bernardino, Rancho Cucamonga, Ontario, Fontana, and Victorville.
Frequently Asked Questions
Can I use a VA loan to buy a multi-unit property in Riverside?
Yes. VA loans can be used to purchase 1–4 unit properties as long as you intend to occupy one unit as your primary residence. The rental income from additional units can sometimes be used to offset the mortgage payment in qualifying calculations.
What if I’ve used my VA benefit before?
VA entitlement can be restored after a prior VA loan is paid off or assumed by another veteran. You can also have two VA loans simultaneously in some circumstances, such as relocating for work. We can review your Certificate of Eligibility to determine your current entitlement and available benefit.
What is the 2026 VA loan limit in Riverside County?
Veterans with full VA entitlement have no loan limit — they can borrow above the county conforming limit with no down payment. Riverside County’s 2026 conforming limit is $832,750. Veterans with partial entitlement (remaining from a prior VA loan) may have a loan limit; we can calculate your specific situation from your Certificate of Eligibility.
Talk to Michael Directly
DiVita Home Finance | Tiburon, CA | In lending since 2000, founded DiVita Home Finance in 2007. Michael DiVita DRE #01372066 | NMLS #241655. Company DRE #01818285 | NMLS #323700.
💬 Text: (310) 849-9124
