We're David and Tasha Wolf, California mortgage brokers based in Riverside County. David has been licensed since 1999, and we handle your loan ourselves.
How much can you borrow?
With full entitlement, VA doesn't set a county loan limit. Your lender still decides how much you qualify for, based on your income, debts, credit and the appraisal.
If part of your entitlement is still tied to another VA loan, the county limit matters. For 2026 it's $832,750 in Riverside County. VA uses the one-unit figure even if the home has more units. Above what your remaining entitlement covers, you may need a down payment. We'll work it out from your Certificate of Eligibility, which we pull through VA's lender portal.
New limits usually come out in late November. We'll update this page when the 2027 numbers are published.
The funding fee
Most VA buyers pay a one-time funding fee. It's a percentage of the loan that depends on your down payment and whether you've used the benefit before, and it can be added to the loan. Many veterans who receive VA disability compensation don't pay it at all. Our VA loans guide covers the details.
Mello-Roos and HOA dues in Temecula
The City of Temecula lists ten Community Facilities Districts, often called Mello-Roos. They include Harveston, Wolf Creek, Roripaugh Ranch, Crowne Hill, Heirloom Farms, Altair and Prado. Homes in a district pay a special tax on the property tax bill on top of regular property taxes. Other agencies can add their own special taxes too.
Amounts vary by tract and by home, so look at the actual parcel's tax bill before you make an offer. Riverside County bills show Mello-Roos as "CFD" followed by a fund number and an amount. These taxes and any HOA dues are part of your housing payment, so they affect how much home fits your budget.
Before you write an offer
- Let us pull your Certificate of Eligibility. We get it through VA's lender portal, so you usually don't have to do anything. Once in a while VA needs your DD-214 before it can issue one.
- Get preapproved with VA in mind, so your offer shows the loan you'll actually use.
- Ask about the home's condition early. VA appraisals check that the home meets VA's minimum property requirements.
Why a broker
We compare options from several wholesale lenders for each loan. Here's how that works.
Sources
Rules and funding change. These are the official sources behind this page.