Your VA benefit. Your home. Our honor.
Veteran Mortgage Guys helps active duty service members, veterans and military families buy, refinance and build wealth with the VA loan they earned — led by retired Marine Joey Kubes and VA loan specialist Max Garcia.
VA loans are all we do.
Veteran Mortgage Guys is a VA-focused mortgage team powered by E Mortgage Capital, Inc. We know the LES, BAH, PCS orders and VA residual income inside and out — and we explain every number before you sign anything.
We're based in the Temecula Valley and help military families all over Southern California and beyond. From your first buying-power check to closing day, you work directly with our loan officers. And with VA home-buying webinars running nationwide, we're here wherever your next set of orders takes you.
Know your benefits
VA loan benefits
$0 down, no PMI, funding fee basics and the myths that cost buyers deals.
Learn moreCA property tax exemption
100% disabled? Up to $271,009 off your home's assessed value in 2026.
See the guideNationwide VA webinars
Free live classes for veteran buyers and for real estate agents.
Get notifiedGuides by base & question
Camp Pendleton, Miramar, San Diego and more — plus funding fee, BAH, PCS and IRRRL answers.
Browse guidesFree military money tools: 2026 BAH calculator · Military pay calculator · 2026 pay chart · GI Bill housing allowance
“I’ve had the pleasure of working with Joey Kubes at eMortgage Capital on multiple transactions, and he consistently exceeds expectations. His communication, speed, and problem-solving skills make every deal smoother. He even helped me personally purchase my own condo in San Diego in just 17 days! Joey is reliable, knowledgeable, and truly goes to bat for his clients. Great guy and an even greater lender. Highly recommend!”
Real client review from Google. Every loan is different — timelines depend on the property, appraisal and underwriting.
Ready when you are.
See your numbers in two minutes, or talk it through with our team.
*$0 down for eligible borrowers with full VA entitlement, subject to credit approval and county loan limits where applicable.