(619) 422-5900Ready to Own Your Dream Home?
Let us guide you and your family through the entire buying & refinancing process. We’ll show you how to take full advantage of the unique VA benefits you’ve earned.
Helping Veterans Find Their Home Since 2004
Over the last 17 years, we’ve guided over two thousand veterans & active duty members through the entire buying and refinancing process.
Whatever your financial goals are, we’ll help you achieve them.
What We Offer
Close on time
We’ll cover up to $10,000 of your closing costs†
Fast pre-approvals
Get pre-approved in as little as 24hrs.
Secure your VA loan
Enjoy Competitive Monthly Payments & Interest Rates
Why Military Home Loans?
Since 2004, we've helped over two thousand veterans & active duty members achieve their financial goals.
From landing your dream home to feeling confident in making the right refinance decisions - we’ll make the whole process pleasant for you and your family.
Buying a home or refinancing with VA loans offers unique benefits. Our team ensures you take full advantage of all the benefits you’ve earned.
“The Military Home Loan staff provided me with a professional experience as I purchased my home. Everyone moved diligently as I asked them to be. I literally needed to move in my home within 6 weeks and the whole experience took about 5, from viewing the home to signing the dotted lines. You guys are the best! I can’t thank you enough.”
-Anthony R.
“Everyone with whom I dealt with maintained a professional presence throughout the process. They were very helpful in all issues that came up during the search for a home, which took several months. I wish the Veteran’s Administration was as well organized. Thank you.”
- John O. S.
Going through the refinance process was smooth sailing. It took about less than 3 weeks which was faster than what I expected especially on a VA loan. I like to thank Melissa for her assistance, patience, and the informative details given throughout this process that went with ease as a result. Thank you Military Home Loans!!!
- Steve
“Another flawless re-fi with Clay Murray and Shiraney Sim! They were able to lock in a rate that hasn't been seen in decades! We are once again, overly pleased with the diligent communication and extremely fast execution of our re-fi working with Military Home Loans! This is our third time going through Clay and Shiraney, and we never considered going elsewhere. Straight forward advice, hard numbers, honest guidance and timely responses. They will continue to strive for each and every homeowner. We will return when our home buying needs increase! Thank you again for being rockstars and getting us down to 2.5%!”
- Mrs. G.
Discover Our Unmatched Benefits
Feel confident in finding your dream home with a team who's got your back, from start to finish!
GET YOUR CLOSING COSTS COVERED
We’ll cover up to $10,000 of your closing costs depending on your VA loan amount with our Welcome Home Program.†
OUR PRE-APPROVAL PROMISE
Get pre-approved in as little as 24 hours. If our pre-approval is later denied, we’ll pay you $1,500.*
OUR CLOSE ON-TIME PROMISE
We promise to close your loan in 28 days or we’ll pay you $500.**
NO SURPRISE COSTS
We believe in complete transparency. With us, there are no hidden fees or surprises.
What a home refinance can mean for you:
How It Works
STEP 1
CONTACT US
Click the button below to reach out and speak to our team.
STEP 2
GET THE PERSONAL GUIDANCE YOU NEED
Let us guide you and your family through the entire buying & refinancing process.
STEP 3
ENJOY THE LIFE YOU DESERVE
Proudly step into your new home or enjoy the benefits of a smart refinance.
CONTACT US
Click the button below to reach out and speak to our team.
GET THE PERSONAL GUIDANCE YOU NEED
Let us guide you and your family through the entire buying & refinancing process.
ENJOY THE LIFE YOU DESERVE
Proudly step into your new home or enjoy the benefits of a smart refinance.
Our Purpose
We believe YOU deserve to own a home within the country you’ve helped defend.
Let us take the burden off your back.
Let us give you the home you’ve dreamed of & the benefits you’ve earned.
Enjoy a pleasant & easy experience from a team who cares about those who have protected our country.
Our appreciation of service members is deeply rooted within our company. We are dedicated to providing you with unmatched benefits & customer support.
Discover how easy buying your new home & refinancing is with a team who’s got your back!
ASK US ANYTHING!
One of our friendly experts will get back to you within 24 hrs.
MILITARY HOME LOANS
16868 Via Del Campo Court,
Suite 100 Office 222 San Diego CA 92127
NMLS 1169242
CONNECT WITH US
© 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. www.apmortgage.com
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
EQUAL HOUSING OPPORTUNITY
Military Home Loans, 16868 Via Del Campo Ct,
Suite 100 #222 San Diego CA 92127
619-422-5900
NMLS #1169242
Licensed in AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY
Operating as Military Home Loans in AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
AZ BK 0906702
CA DRE #01215943
NV MB 164
Not Available in New York
Licensed under the Oregon Consumer Finance Act
-Not Available in New York
Privacy Policy
https://www.apmortgage.com/privacy-policy
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT www.sml.texas.gov
“NMLS consumer Access” with the following link: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1850
“Accessibility Statement” with the following link:https://apmc.sharepoint.com/sites/advertising/Shared%20Documents/Forms/AllItems.aspx?id=%2Fsites%2Fadvertising%2FShared%20Documents%2FAPM%2DAccessibility%2DStatement%2Epdf&parent=%2Fsites%2Fadvertising%2FShared%20Documents
*This does not include a denial issued after the pre-approval that is based on changed circumstance including quitting your job. getting laid off. losing your income, property issues from appraisal or inspection, or negotiation issues with the other party. The program is valid only if: ll The Borrower provides MHL with complete and accurate information for the loan application at the time of pre-approval. 2] The borrower provides MHL with all additional required information/documentation during the loan approval. The program is NOT valid if: ll The borrower changed loan products or terms. 2] The loan denial is due to the borrower's actions. omissions or delays that change their circumstance. or is due to those of an unaffiliated third party. 3] The borrower's application of loan documentation contains fraudulent information or material misrepresentations. 4] Anything else in the home purchase process causes a termination of the contract including seller issues, appraisal issues, or inspection issues.
**The close on time program does not include any undue delays in Military Home Loans receiving requested items to close from either party. The program does not include any unforeseen delays due to repairs, negotiations, or 3rd party delays. VA joint loans do not qualify for the 28 day close program. The 28 day countdown starts from the date the fully executed ratified purchase agreement is received by Military Home Loans with all addendums. Valid only for VA loan purchases in the state of AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY. Not valid for any other loan program. This program is not assignable or transferrable and we reserve the right to withdraw. terminate. or amend this program at any time without notice except when eligibility for the program is reached prior to our withdrawal. termination or amendment. Should you qualify to receive a payment, the check will be mailed to your home address within 10 days of your loan denial. Any payment we make may be reported to the IRS on a Form 1099-MISC.
***Finance charges may be higher over the life of the loan. Consult with your loan advisor for details.
Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
†1. Eligible on VA purchase loans in AZ, CA, FL, NC, OR, TN, TX, VA, WA, WY | 2.©2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act We are a VA approved lender, not affiliated with the Dept of Veterans Affairs or any government agency. 3. Lender credit dependent on loan size. Maximum lender credit $10,000. Minimum lender credit $1,000. Lender credit increases by $1,000 with every increase of $100,000 to loan size. Contact Military Home Loans for more details.