PendingListed at $799,900 – $849,900
3 bd · 2 ba · 1,110 sqft
1191 Nolan Ave
Chula Vista 91911
Active Duty · Veterans · Military Families
Understanding Your VA Loan Options in San Diego
Purchase, streamline refinance, or cash-out — VA loan programs each work differently. Rudy Flores breaks down the options in plain English and connects you with a VA-approved lender to handle the rest.
(619) 392-6714
Track Record
Recent Results from the McKelvey Team
Homes now pending and homes the team recently helped buyers purchase, from their October 2026 Open House Showcase.
Pending
Pending
PendingListed at $699,900 – $749,900
3 bd · 2 ba · 1,075 sqft
741 Elm Ave
Chula Vista 91910
PendingListed at $599,900 – $624,900
3 bd · 3 ba · 1,500 sqft
1550 Apache Dr, Unit D
Chula Vista 91910
Recently sold
Sold$2,046,500
4 bd · 3 ba · 3,838 sqft
29155 Buckshot Canyon Rd
Escondido 92026
Sold$775,000
4 bd · 2 ba · 1,710 sqft
13035 Laurel St
Lakeside 92040
Sold$855,000
4 bd · 3 ba · 1,993 sqft
2233 Capistrano Way
Chula Vista 91915
Sold$1,199,999
4 bd · 3 ba · 2,259 sqft
2574 Saddleback St
Chula Vista 91914
Sold$779,000
6 bd · 3 ba · 2,824 sqft
609 Mariposa Cir
Chula Vista 91911
Sold$1,155,000
3 bd · 2 ba · 2,015 sqft
3637 Filly Ln
Bonita 91902
Status and prices are as printed on the team’s October 2026 flyer: 16 homes the team helped buyers purchase, and current pending listings. Information deemed reliable but not guaranteed. Patti & Jeff McKelvey Team, Coldwell Banker West.
Best Spots
Best Spots in San Diego
Places to explore while you house hunt with a VA loan.
Coronado Beach and the Hotel del Coronado
Morning walks and sunset strolls on a wide beach in front of the Victorian Hotel del Coronado, a National Historic Landmark since 1977.
See itBalboa Park
San Diego's 1,200-acre backyard, with museums, gardens and cultural attractions.
See itCabrillo National Monument
On Point Loma, a national monument that marks Juan Rodriguez Cabrillo's 1542 arrival on the West Coast, with the Old Point Loma Lighthouse, tidepools and coastal trails.
See it
Home Tools
Know Your Numbers in Minutes
Free calculators for buyers and sellers, starting with today’s rates.
Mortgage Payment Calculator
See your real monthly payment: principal, interest, taxes, insurance and HOA in one number.
Try itHow Much Home Can I Afford?
A quick, friendly estimate of the price range that fits your income, debts and savings.
Try itRent vs. Buy Calculator
Compare the long-run cost of owning with renting the same kind of home, with your own assumptions.
Try itTalk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
Point Mortgage is a San Diego–based lender offering Conventional, FHA, VA and Jumbo loan programs, with local loan officers who coordinate directly with Coldwell Banker West and escrow to keep your financing on track from pre-approval through closing. Learn more or start an application at pointmtg.com.
VA Loan Options Explained
Four Ways the VA Benefit Gets Used
General overview only — your VA-approved lender confirms exact terms and eligibility.
VA Purchase Loan
The core benefit — often $0 down and no PMI, for buying a primary residence.
VA Streamline Refinance (IRRRL)
For veterans who already have a VA loan — often a simpler path to a lower rate, with reduced documentation in many cases.
VA Cash-Out Refinance
Tap into home equity — available to qualifying veterans, whether your current loan is VA or conventional.
Funding Fee & Exemptions
Most VA loans include a funding fee — but veterans with a qualifying service-connected disability rating are often exempt. Your lender confirms your status.
Patti & Jeff McKelvey Team
Rudy Flores
Real Estate Strategist, Realtor®, Coldwell Banker West
Former Real Estate Developer for Google, AT&T, T-Mobile, FirstNet (911) and the U.S. Navy (DoD) for 12 years
Watch Rudy's interviewRudy Flores isn't a loan officer — he's a real estate agent who's worked alongside VA-approved lenders for years, backed by the Patti & Jeff McKelvey Team's 40 years of San Diego real estate experience. He can point you toward the right VA loan conversation and handle the real estate side once your financing is lined up.
Read Patti’s book. Real Estate Magic: How a Real Estate Rock Star Helped 6,000 Families Attain the American Dream is available free through Amazon Kindle and in paperback. Get Patti McKelvey’s book on Amazon
Get In Touch
Let's Talk Through Your Options
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VA loan program terms, rates, and eligibility are set by the U.S. Department of Veterans Affairs and individual lenders, and change over time. This site provides general information only — always confirm current requirements and pricing with a VA-approved lender.