SERVING ALL 58 CALIFORNIA COUNTIESIndependent mortgage services · Not affiliated with VA or CalVet
Sasha Windes · NMLS #331035 · CA DRE #01454354Team Windes at Local Lenders Group · NMLS #1048641 · CA DRE #01919683
Learning center

Clear answers.
At your own pace.

Explore the basics, understand the details, and bring your next question directly to Sasha.

Getting started

VA Loan Eligibility & Certificate of Eligibility

Service eligibility, required records, and what a Certificate of Eligibility actually means.

Buying a home

Buying a California Home With a VA Loan

The purchase journey, from an early conversation to the keys.

Getting started

VA Loan Entitlement & Using Your Benefit Again

Full entitlement, remaining entitlement, and buying again.

Costs & comparisons

VA Funding Fees, Exemptions & Closing Costs

Funding fees, exemptions, seller credits and cash to close.

Getting started

VA Loan Credit, Income & Residual Income Requirements

Lender standards, debt-to-income and the money left for everyday life.

Buying a home

VA Property, Appraisal & Occupancy Requirements

Condos, manufactured homes, multiunit homes and the appraisal.

Refinancing

VA IRRRL Refinance: Requirements & Costs

Understand a VA IRRRL before responding to the next mailer.

Refinancing

VA Cash-Out Refinance: Costs & Tradeoffs

VA cash-out refinancing, debt consolidation and non-VA loans.

Buying a home

VA Loan Assumptions: Liability & Entitlement

Servicer approval, liability and the seller’s entitlement.

Family & support

VA Loans for Surviving Spouses & Adapted Housing

Surviving-spouse eligibility and VA adapted-housing resources.

California

California Veteran Housing & Property-Tax Benefits

CalVet, property-tax relief and local veteran support.

Family & support

VA Mortgage Payment Help & Foreclosure Resources

Where to turn for mortgage-payment support.

Getting started

When a VA Loan Stalls: Questions & Next Steps

A thoughtful second look at a delayed loan, a confusing condition or an offer you do not understand.

Family & support

VA Loan Benefits for Disabled Veterans in California

Funding-fee exemptions, disability income, adapted housing and California property-tax help.

Costs & comparisons

Compare VA Lenders With Sasha Windes

How Sasha’s access to multiple VA lenders can help you compare available financing for your situation.

Looking for a quick answer? Search the frequently asked questions →
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Before, during and after your loan—reach out directly to Sasha. Serving all 58 California counties.