CalVet Home Loan Program

California Department of Veterans Affairs (CalVet)

Available Home Repair

About This Program

CalVet Home Loan Program is available to homeowners in San Jose, CA.

The CalVet Home Loan Program provides California veterans with competitive interest rate mortgage loans for home purchase or improvement. CalVet loans can be paired with a contract of sale that bundles home insurance and disaster insurance, a unique benefit for California veterans. While primarily a purchase loan, CalVet financing can be used to purchase a fixer-upper that needs improvements.

Estimated savings versus conventional loan over loan life, illustrative

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

This is a national program. In San Jose, CA, you can stack it with local programs like these:

Key Details

  • Competitive rate mortgage loans for California veterans
  • Includes disaster and home insurance in loan contract
  • No income limit, available to all eligible veterans
  • Use to purchase homes needing renovation
  • Call CalVet: 1-866-653-2510

How to Apply

Get free help applying Visit Official Program Page Track this program

866-653-2510

A grant-savvy contractor in San Jose, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Jose early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

Who qualifies for CalVet Home Loan Program in San Jose?

CalVet Home Loan Program is open to homeowners in San Jose, CA. It has no income limit. It serves veterans and military families.

How do I apply for CalVet Home Loan Program in San Jose, CA?

Apply directly with California Department of Veterans Affairs (CalVet) using the official program link on this page or call 866-653-2510. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse San Jose, CA contractors

Find More Programs in San Jose, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs