VA Homeownership Seminar
Date: July 30, 2026
Time: 5:00 PM – 6:30 PM
Location: VFW Post 2422, Coronado, CA
VA Loan Myth #1:
"You Can Only Use You VA Loan Once"
Learn how VA loan entitlement works and how many veterans use their benefit multiple times throughout their lives.
VA Loan Myth #2:
"VA Loan Are Only For Single Family Homes"
Discover how eligible buyers can purchase duplexes, triplexes, and fourplexes while living in one unit.
VA Loan Myth #3:
"I Need Perfect Credit"
Understand current lending guidelines and what lenders actually look for when evaluating a VA loan application.
You've Earned This Benefit. Learn How to Use It.
Many active-duty service members, veterans, and military families know they have access to a VA loan, but far fewer fully understand how powerful and flexible this benefit can be—especially when used strategically in high-cost markets like San Diego.
During this free educational seminar, we'll break down:
- How the VA home loan program actually works (in plain English)
- VA loan eligibility and entitlement in today’s market (including high-cost areas like San Diego)
- What “0% down” really means—and what buyers should realistically plan for upfront
- How BAH (Basic Allowance for Housing) can be used as part of a homeownership strategy in San Diego
- Real affordability in San Diego County: rent vs. owning using VA financing
- Understanding monthly housing cost (PITI) and how it compares to local income levels
- Purchasing multi-unit properties (duplex, triplex, fourplex) using a VA loan and house-hacking strategies
- How VA buyers compete in today’s competitive San Diego housing market
- Common VA loan myths that prevent military buyers from taking advantage of their benefit
- How VA loans can support long-term wealth building and housing flexibility over time
- VA refinance strategies and how homeowners may adjust or improve their mortgage over time (when appropriate)
Meet Your Presenters
Mike Oliva
Mike Oliva
Mike Oliva
REALTOR® | eXp Realty
Mike specializes in helping military families, veterans, and San Diego residents navigate the home buying and selling process. With over 15 years of experience negotiating complex agreements and protecting client interests, he brings a disciplined, fiduciary approach to real estate—helping clients make confident, informed decisions every step of the way.
Ryan Eng
Mike Oliva
Mike Oliva
Senior Loan Officer | First California Funding
With over 20 years of lending experience, Ryan helps military families understand financing options and maximize their VA loan benefits through personalized lending strategies.