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2025 VA Loan Changes Give SoCal Veterans More Power — and Zero Origination Fees

San Diego County’s limit rises to $1,077,000 and Riverside to $806 500— plus new rules that cover buyer-broker fees, TC costs & non-allowable expenses.


🇺🇸 The Big Picture


2025 is a milestone year for veterans and military families using their VA benefit in Southern California. The Department of Veterans Affairs has raised county loan limits, modernized fee structures, and empowered buyers like never before.


📈 New Loan Limits


  • San Diego County: $1,077,000

  • Riverside & Orange Counties: $806,500

  • Full Entitlement Borrowers: No effective limit

That means VA buyers can now purchase well into the million-dollar range — often with zero down payment and no private mortgage insurance.


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💰 New Allowances That Save You Money


  • Buyer Agent Compensation: VA loans can now pay your agent’s fee directly — eliminating out-of-pocket costs.

  • Transaction Coordinator Coverage: Fees for TCs can now be paid through the loan, ensuring full compliance.

  • No 1% Origination Fee Required: The elite VA mortgage brokers I’ve partnered with in San Diego removed the 1% origination fee entirely, freeing up that same 1% to cover previously non-allowable fees like escrow, title, or recording charges.


🤝 Our VA Power Team


I’ve personally teamed up with San Diego’s top VA-certified mortgage brokers — experts who live and breathe VA guidelines daily. Together we ensure that every deal is precise, fast, and built to protect you.Combined with SoCal Realty & Investments’ experienced transaction coordinators, you get a complete defense team covering every page of paperwork and every detail of your entitlement.



🏡 Why This Matters in SoCal


With home prices rising again in areas like Carlsbad, Oceanside, and Temecula, veterans can now buy the homes they deserve without financial roadblocks. Meanwhile, sellers with VA loans still hold a huge advantage — assumable low-rate mortgages are in high demand.


✅ Bottom Line


In 2025, VA loans aren’t just competitive — they’re dominant. With higher limits, new fee coverage, and no origination costs through our partner lenders, your benefit has never been stronger.Ready to make the most of it? Let’s talk.


📞 866-322-5487

Andrew Georgitsis

SoCal Realty & Investments

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