Helping Veterans and Military Families Build Their Future—One Home at a Time
At Patrick “McCabe Mortgage”, we believe our service members deserve more than just thanks—they deserve access to every opportunity available to them, especially when it comes to buying a home. That’s why we specialize in VA home loans, guiding veterans, active-duty military, and eligible surviving spouses through a smooth, supportive mortgage process from start to finish.
Whether you're buying your first home, refinancing your current one, or relocating to or within the Inland Empire, we’re here to make sure you’re getting the benefits you’ve earned—with zero fluff, just facts and real results.
What Is a VA Loan?
A VA loan is a home loan backed by the U.S. Department of Veterans Affairs. It’s designed to make homeownership more accessible and affordable for those who’ve served our country.
Here’s what sets VA loans apart:
- 0% down payment required (in most cases)
- No private mortgage insurance (PMI)—ever
- Competitive interest rates
- Flexible credit requirements
- Limited closing costs
- Option to reuse the benefit multiple times
In short: VA loans offer real advantages over conventional mortgages. And with the right guidance, you can unlock those benefits with confidence.
Who Qualifies for a VA Loan?
You may be eligible for a VA home loan if you meet one or more of the following:
- You’re an active-duty service member
- You’re a veteran who meets minimum service requirements
- You’re a current or former member of the National Guard or Reserves
- You’re an eligible surviving spouse
Not sure if you qualify? No worries—our team will walk you through eligibility, entitlement, and the Certificate of Eligibility (COE) process.
Our VA Loan Services
1. Pre-Approval
2. COE Assistance
2. COE Assistance
We help you understand your budget and strengthen your offer with a pre-approval letter that shows sellers you’re serious.
2. COE Assistance
2. COE Assistance
2. COE Assistance
Not sure how to get your Certificate of Eligibility? No problem—we’ll request it for you directly through the VA portal.
3. Home Loan Guidance
3. Home Loan Guidance
3. Home Loan Guidance
We'll match you with the right VA product—purchase loan, IRRRL (streamline refinance), or VA cash-out refinance—based on your needs.
4. Smooth Closing
3. Home Loan Guidance
3. Home Loan Guidance
We coordinate with realtors, underwriters, and closing agents to ensure everything runs on schedule—no surprises.
Why Work with Patrick McCabe?
You’ve got a lot of options when it comes to lenders. Here’s what makes us different:
- Veteran-Focused Experience: We’ve helped hundreds of veterans secure VA loans—we know the process, the paperwork, and the best way to structure your file for fast approval.
- Local Insight: We live and work right here in the Inland Empire. That means we understand local pricing, property types, and competition.
- Real Talk, No Runaround: We explain everything in plain English, respond quickly, and never leave you guessing. When you call—we answer.
One-on-One Support: You won’t be passed off to a call center. You’ll have a dedicated loan expert guiding you the whole way.
Can You Refinance a VA Loan?
VA IRRRL (Interest Rate Reduction Refinance Loan)
Also called the “VA Streamline,” this option helps you lower your interest rate or monthly payment—without a full credit check, income verification, or appraisal.
VA Cash-Out Refinance
This lets you take equity out of your home (even if you currently have a non-VA loan) and convert it into a VA-backed mortgage.
Let’s Get You Home
You’ve served our country. Now it’s our turn to serve you.
Whether you’re stationed nearby, retiring in the Inland Empire, or just ready to stop renting and start building equity, Patrick “McCabe Mortgage” is here to help you take full advantage of your VA loan benefit—with expert support, local knowledge, and a whole lot of heart.
Let’s talk about your next move—and how we can help make it happen.
Call us now, or start your VA loan application online.
We’ll make the process easy, personal, and worth every second.