California Veteran Home Rebate Program

In most cases, yes, but program-specific rules govern how credits stack against each other, and your lender needs to confirm the combined credits don't exceed allowable limits under the loan program you're using. VA loans have their own guidelines on what buyer credits are permissible, and Xavier reviews those limits during the pre-approval process. The short answer: stacking is often possible, and the details get sorted out before you write an offer, not after.

Any person who served in the U.S. Armed Forces - Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force - and separated with any discharge characterization other than dishonorable is eligible. This includes general discharges under honorable conditions, medical discharges, and early separations. Active duty service members, Reserves, National Guard members, military spouses, Gold Star families, and retired or disabled veterans also qualify - see the full eligibility section above for detail on each group.

The rebate is processed through escrow and appears as a credit on your closing disclosure, so it hits at close - not weeks later. You'll see the exact dollar amount on your final closing disclosure before you sign. It reduces the cash you bring to the table at closing or offsets costs that are already in the transaction.

There is no minimum purchase price requirement to qualify for the program. The rebate scales with the purchase price, so on lower-priced transactions the dollar amount will be smaller, but the eligibility itself is not price-gated. There is no maximum either - California's higher price tiers are exactly where the savings become most significant.

The buyer rebate is treated as a sales concession or credit under most loan program guidelines - it does not increase your loan amount, and it does not affect your down payment requirement. Lender credits on the financing side reduce your out-of-pocket closing costs and do not affect your loan balance. Both discounts are disclosed on the closing disclosure and reviewed by the lender as part of the standard approval process. Xavier will flag any scenario where a credit structure needs adjustment before it becomes a problem.

Military spouses of active duty service members and veterans qualify directly under this program - you don't need your own military service history. If your spouse is the veteran and you're the co-borrower on the transaction, you qualify. Surviving spouses of veterans who died in service or from a service-connected disability are also eligible. If neither you nor your spouse has a qualifying military connection, you'd be evaluated under the appropriate vertical for your situation.

Veterans United is a mortgage lender - they originate VA loans but do not provide buyer-side real estate rebates. If you use Veterans United for your loan, you'd still need a separate buyer's agent, and any rebate arrangement would depend on that agent's individual policy. Homes for Heroes works through a network of affiliate REALTORS® - a referral fee moves through that network before anything reaches you, which dilutes the credit. Xavier is dual-licensed as both a REALTOR® (DRE #01968917) and Mortgage Originator (NMLS #1029190), so the buy-side rebate and the lender credit both originate from the same desk without a referral fee in the chain.

No. There is no fee to consult, no obligation to proceed, and no charge if the transaction doesn't close. The rebate and lender credit are closing-event discounts - they exist only when a transaction funds. If you go under contract and the deal falls apart for any reason, you owe nothing. Xavier's goal is a closed transaction that works for you, not a commitment that locks you in before you've found the right property.