A VA-dedicated mortgage brokerage on Voltaire Street a few blocks from Naval Base Point Loma, the office focuses exclusively on VA home loan origination for active-duty service members, veterans, National Guard and Reserves, and eligible surviving spouses. The workflow starts with a VA Certificate of Eligibility (COE) pull through the VA's WebLGY portal, followed by entitlement calculation for buyers who've used part of their benefit previously on a home sold or refinanced — and buyer-agent pairing with Alice Henderson - San Diego Realtor - Coldwell Banker West keeps the MLS search scoped to VA-approved condo developments and minimum property requirement-compliant listings. No-down-payment financing up to the full county loan limit, VA funding fee exemptions for disabled veterans rated 10% or higher, and IRRRL streamline refinance products make up the core offering. Conventional and FHA alternatives for military spouses without direct VA entitlement are referred to neighborhood brokers such as OBMortgage, keeping the dual-income household's financing needs covered under one family transaction timeline. VA jumbo loans above the San Diego County conforming limit — where second-tier entitlement math, residual-income underwriting per VA Lenders Handbook M26-7 Chapter 4, and CAIVRS clearance on prior federal debt all have to resolve in a single file — are the most technically demanding scenarios underwritten out of the Voltaire Street office.