(619) 422-5900VA Home Loan Services
Since 2004, 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!
You Are One Step Closer To Owning Your Dream Home!
Get Up To $10,000 Of Closing Costs Covered†
Pre-Approval & Close On-Time Promises
Refinance With Total Confidence
If you are active duty or a veteran, you’ve found a team that will work hard for you. Whether you are refinancing or looking to buy a home, we’ll guide you through the entire process. Learn how we can help you by clicking the button below.
Our VA Home Loan Services
Buying A Home With A VA Loan
Purchasing a home is one of the most rewarding, yet stressful, financial decisions you’ll ever make. Let us do all the hard work for you. We’ll get you pre-approved, help you close on-time, and cover up to $5,000 of your closing costs. With us, you'll never feel lost. We've got your back, from start to finish.
Home Refinancing With A VA Loan
A home refinance can lead to great opportunities for you and your family. Whether you're looking to lower your monthly payments or take cash out for a big purchase, we'll help you make the right decision so you can achieve your financial goals while maximizing the benefits of a VA refinance.**
***Finance charges may be higher over the life of the loan. Consult with your loan advisor for details.
Home Buying & Refinancing With Conventional Or FHA Loans
Not eligible for a VA loan? No problem! You will still benefit from working with us. We offer YOU the same level of expertise, guidance, and support when it comes to buying and refinancing with conventional or FHA loans.
“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.
“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.
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
“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.
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.
- Frances D.
Second time using Military Home Loans and once again did not disappoint!!!!!! Clay and Shiraney were amazing! They made the process so smooth and got us an unheard-of interest rate! They know what they are doing and make you feel like family. Shiraney was on top of everything, and we closed before our initial anticipated close date. I cannot thank your team enough, you guys really made the entire home buying process easy and stress-free while being so efficient!!!!! Thank you guys again for getting us in our forever home!!!
Escondido, CA
- Adam J Danielson
Highly Recommend
Excellent service. Clay and his team are on top of the entire process. Nothing is missed. I’m always informed before anything happens. Professional, confident, trustworthy.
San Diego, CA
- Francisco Q.
I am forever grateful for the services that Clay and Shiraney provided us. From start to finish they were there, and we couldn’t have asked for a better team to help us with getting approved for our first home. Clay was kind enough to provide weekly progress reports until we finally closed and finalized our loan to keep all parties aware of what to expect next. We had a target close date of 17 days after our offer was accepted and they made it happen with no issues! Thank you for making our experience of buying our first home special!
Waikiki, Honolulu, HI
- Hannah S.
Clay and Shiraney did an awesome job guiding my husband and me through the home buying purchase; this was our first time. Clay started with an initial meeting to ensure we fully understood the VA loan process. Then the pre-approval process was a breeze. Once we found the right home, they made the process easy and updated and checked in with us every step of the way. I had a ton of questions and they answered them all promptly, no matter how small. They worked very hard to ensure the loan closed on time. We did end up closing a day late but that was because we were waiting on the escrow company, and one day is really not a big deal. The letter that was attached to our offer was a great incentive for the sellers to choose us because it was clear that Military Home Loans had done their due diligence during the pre-approval process. We all know how hard it can be as a VA buyer to compete with conventional and cash buyers in this market, but we had a great team behind us and that made all the difference. I would not hesitate to use this company again for refinancing or another real estate purchase.
Escondido, CA
- Erin B.
Clay and his team were amazing to work with. This was our first home purchase and we needed it to be done within 60 days due to our landlord selling our current home. In the first conversation we had, he laid everything out in layman’s terms because I have no experience in home buying or shopping for loans. I felt comfortable in my understanding and whenever I had questions, the team answered me in a timely manner. They give you updates at every stage of the loan process and are so friendly and efficient when it comes to document collection. My realtor and escrow company said that Clay and his team were quick and thorough. They’ve allowed us to close on our house in just 30 days! Thanks, Clay, Shiraney, and the team for all your hard work!
Corona, CA
Buying or refinancing a home with a VA loan offers unique benefits.Our team of experts ensures you don't miss out on any you've earned.
Contact us to get started on your home purchase or refinance today!
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.