
You defended it. Now own a piece of it.
Your benefit. Your move.
Find where to live near your base, what your allowance reaches, and whether buying fits this tour — or use the benefit years after you served.
4.9 / 5 from 79 client reviews since 2016Got orders? Start with your number
Your station and grade → your BAH, what it buys, and where it reaches. Veterans: your rating instead.
Guard, Reserve, surviving spouse, or no rating yet? Build my VA plan — a few questions, nothing stored.
Start here
Find where to live28 base guides · neighborhoods by gate · the move guides
Know your numbersEntitlement · funding fee · what BAH carries
Ask a loan officerReal questions, answered on the board
Photos by Kevin Schmid, Olena Kholina and Vitaly Gariev on Unsplash


Why a VA-specialist lender
What Kyle does that a general lender does not
Producing Branch Manager · NMLS #1486450 · Meet Kyle
Pre-approval on orders, before you land
Orders, the LES and the new station's BAH start the file early, so you arrive for house-hunting leave with a real letter.
The entitlement math, done before you write
Second VA loan with the last house rented out? You hear the down payment number, if there is one, before the offer — not after the appraisal.
Appraisals and repairs, handled
Tidewater responses, MPR conditions, escrowed repairs. The VA appraisal is a step, not a threat, when the lender has done it hundreds of times.
Straight answers, including "rent"
Where renting wins, the page says so. Where conventional beats VA, the page says so. That is why people trust the rest.
What clients say
4.9 / 5 average of all 79 reviews since 2016
We worked with Kyle at REV Mortgage for a VA loan refinance in San Diego, and once again, it was a fantastic experience. Kyle is incredibly knowledgeable and makes the process smooth and stress-free. He's responsive, efficient, and genuinely cares about his clients. He's helped us with financing multiple times, including the purchase of two homes, and every time has been great. We highly recommend him to anyone looking for a reliable and professional lender.
Theresa F.San Diego, CA2026
I worked with Kyle on an IRRRL and VA loan for my new home in San Diego, California. Kyle’s attention to detail and attentiveness was impressive. He was an excellent communicator and explained everything clearly, ensuring the process went smoothly and met the deadline. I would recommend Kyle to anyone in need of a mortgage loan; he's great at what he does and has a down-to-earth approach.
Carlos D.San Diego, CA2026
This is actually the 2nd time dealing with Kyle. He helped me secure my first home loan last year. Nothing but an awesome experience once again. This time I decided to take advantage of the current market and utilize a VA Cashout refinance to help eliminate my outstanding debt. He was completely knowledgeable and worked extremely hard to figure out what the best option was for myself. I’ll definitely be dealing with Kyle in the future for any of my laon needs. Thanks again Kyle! 👍🏼
George K.San Diego, CAMarine Corps2022
Kyle went above and beyond for our family by doing the following 1. Excellent customer service good communicator. … Bottom line in this market if you want to get into the home of your dreams Kyle is you guy without a doubt!!!
Angela A.San Diego, CA2021
Smooth and easy
Raul F.San Diego, CA2021
In a few words you & your associates did such a great job there was no stress at all for me you made the experience so easy I am going to recommend you to everyone that is looking for a loan Thank You for all your help
Sergio V.San Diego, CA2021
Super easy and simple. Minimum paperwork required.
Grady M.San Diego, CA2021
Kyle was outstanding to work with - extremely timely, a clear communicator, and very patient at answering all of our first-time buyer questions. We appreciate his knowledge and professionalism, and would work with Kyle again in a heart beat. Thank you for making the process not only painless and smooth, but fun!
Anne C.San Diego, CA2021
Kyle Melvin and his team where by far the best experience I have encountered to this day. They are clear, detailed, honest and understanding. The process as a whole was informative, explained and made simple to understand. Our family was blown away with the hard work this team put forth on our behalf. I would recommend Kyle and his team to anyone looking to purchase a home. Thank you Kyle and Team for your hard and honest work.
Robert G.San Diego, CA2021
Kyle Melvin is definitely the man to see when in search of a loan to purchase you dream home. We have had the best experience of a dream come true. Such an amazing opportunity. Thank you Kyle!!
Michelle B.San Diego, CA2021
Working with Kyle and his team was a blessing. We ran into some unforeseen issues that he was able to mitigate and lessen the financial blows. He went out of his way to personally assist us through our entire process and has made our decision on buying a home one we have full confidence in. I recommend Kyle and his team 6/5!!! Thank you again Kyle! Glad to have worked with you and our continuation through it all!
Irrielle B.San Diego, CA2021
Amazing! We are so happy to be first time homeowners and gone through such a great company for our home loan.
Mercedes B.San Diego, CA2020
Highly Recommend
Kyle helped my wife and I finance our first home, he is an amazing guy to work with, very professional and down to earth. Kyle made sure to walk us through all the details and provided great support from start to finish. He was extremely patient, accessible, knowledgeable, and insightful. …
David P.San Diego, CA2020
Kyle and his team made the process of refinancing my home loan very easy. I would definitely recommend Kyle and his team for anyone looking for help with home loans.
Zuzana D.San Diego, CA2020
Very please and happy to work with Kyle and Ms. Amanda! Highly recommend! Thank you!
Mary Grace D.San Diego, CA2020
Kyle was great at communicating clearly the steps in buying a house financial process. He answered my questions and concerns clearly.
Venetia D.San Diego, CA2020
Outstanding and easy to deal with. Made the process of buying a home easy and smooth.
Lee D.San Diego, CA2020
Kyle and team were very approachable. They were always made sure that we had the right answer. Things went smoothly and according to the timetable that Kyle gave us. The process was seamless and actually quite pleasant. For Any kind of mortgage lending transaction we do in the future, we will call Kyle first.
Thomas C.San Diego, CA2020
… exceptional service, intense knowledge, fervent patriotism. These are just a few of the standards, qualities and characteristics you can expect from Kyle Melvin. I have worked with him for 3 years through multiple deals with my home; to include the initial purchase and subsequent refinances. In each instance Kyle's professionalism has been the ideal of what every customer should desire. He will treat you with the utmost respect, and ensure every question you have is answered. He is with you for the long haul, and come signature day will ensure you and your family have all the confidence and clarity necessary to ensure that your new home is the best deal on the market. He has earned my trust, and a phone call from you to see what he can do for you.
Kyle B.San Diego, CA2020
In a truly insane market, Kyle was the most helpful person a buyer could have hoped for. His entire team navigated me through all phases of the process for a smooth closing and we hit every milestone on time or earlier. He’ll be the first and only recommendation I have to any friends and family looking to finance the purchase of their home in San Diego!
Jaclyn M.San Diego, CA2020
Kyle and his team made my first home buying experience seem way too easy. The speedy response times and professionalism is second to none. There will be no one else that’ll be handling my future home buy and selling Except
Stephen W.San Diego, CA2020
Great experience and easy transaction.
Dominque D.San Diego, CA2020
Kyle and his team are very professional, I highly recommend them!
Jason C.San Diego, CA2020
Kyle and his team were well organized and efficient. I have dealt with other companies and this transaction was the smoothest I have ever experienced. Kyle answered all our questions quickly and made us feel at ease. We would highly recommend him to anyone wishing to refinance their home.
Lydia C.San Diego, CA2020
Very professional and pleasant customer service,. Kyle was very responsive and on top of the whole loan process which made for a smooth and great experience!
Prince D.San Diego, CA2020
Working with Kyle was a great day experience! He was personable and quick with responses and was always willing to answer our questions. Would definitely recommend!!
Russell A.San Diego, CA2020
Kyle is such a pleasure to work with. He is always super helpful and looking out for our best interest. He goes above and beyond what is required and makes sure everything it pushed through as quickly as possible. THANK YOU!
Lindsay D.San Diego, CA2020
Kyle kept us up on the process, was available for questions. He worked for us …
Bradley V.San Diego, CA2020
Kyle Melvin did a very professional job on my refinancing of my home mortgage. He was in constant communication and assured me that all will be handled.
Salvador V.San Diego, CA2020
Kyle Melvin has once again been an amazing loan officer as he helped us secure our refinancing loan! He answered all of our questions and made sure we got the best terms. I am really glad we took his advice and refinanced our home loan!
Silvia R.San Diego, CA2020
Kyle was very professional and helpful. He made himself available to answer our questions whenever they came up. I highly recommend him!
VictoriaSan Diego, CA2020
Kylie is THE BEST loan officer to work with. He made my home purchase go super clear and concise. He took all the stress away and made escrow fly by.
Lindsay C.San Diego, CA2020
Kyle is an amazing Loan Officer! It was time to refinance our own home. I am in the Real Estate industry and Kyle truly provides top-tier service and value to his clients. From beginning to end, Kyle constantly communicated and advised the next steps which enable the process to be such a breeze. Thank you, Kyle!
JacobSan Diego, CA2020
Kyle was a pleasure to deal with. Communication was 10/10. It didn't matter what time of the day or night he was always quick to respond; text, email, or phone call. He took the time to answer all of our question even those that were not directly involved with the refinance. Lastly, he kept us up-to-date throughout the entire refinance process even with the many policy changes in regards to COVID-19.
JasonSan Diego, CA2020
Kyle was very professional and thorough. I had complete confidence that he was acting in our best interest the entire transaction, and was sure to work hard for us. Everything flowed smoothly, … I would highly recommend his service.
KatherineSan Diego, CA2020
Kyle was super on top of it, great customer service, great product, very professional. Highly recommended!
ScottSan Diego, CA2020
My process was definitely an experience that I wouldn’t trade for anything. They educated me as well as made sure things were taken care of. Thank you.
AshleySan Diego, CA2020
You did great. Got my closing on time in spite of all the setbacks.
JamesSan Diego, CA2020
You guys did everything you guys could and beyond I would recommend to everyone looking to buy a home
NaomiSan Diego, CA2020
Kyle makes the process stress-free and easy. We have used him for past home loans, and will continue to use him for any future home loans. I would highly recommend Kyle to my family and friends. Thank you again!
Chris K.San Diego, CA2020
Kyle was great. Very thorough and a pleasure to work with! We are happy clients!
MartinaSan Diego, CA2020
Kyle Melvin did a awsome job. He kept me informed and in tune with the home buying process. Any questions I had were promptly and expertly answered using terms I could understand. I totally recommend Kyle for you home finance needs.
ErrolSan Diego, CA2020
We are very thankful to them! Very nice people to work with! 10 out of 10!
Mary Grace D.San Diego, CA2020
We thank you so very much for all your help!
Ronald D.San Diego, CANavy2019
Everything was done in efficient manner.
Nestor J.San Diego, CANavy2019
Awesome lender!
Kyle was absolutely amazing in our home buying process. From start to finish, he was always available to answer any questions I had, no matter how silly they were. He is very knowledgeable with VA loans and very easy to communicate with. He made us feel comfortable throughout our transaction …
S. D.San Diego, CA2019
Very prompt and courteous.Kyle’s professionalism made a very nerve racking life changing decision smoother than we could’ve ever imagined. We were able to complete everything while outside of the US during a vacation. Excellent service and would recommend to any of my family and friends.
Carlos D.San Diego, CAArmy2019
Just Awesome
Edmundo H.San Diego, CAArmy2018
The entire experience was friendly, positive, smooth & professional.
Jessica D.San Diego, CAMarine Corps2018
Outstanding loan specialist!!
Kyle is very knowledgeable about his job. He knows how to get the job done right. He was flexible and understood my situation. Throughout the whole process, I didn’t feel pressured or stressed over it. I know he worked diligently to ensure that our loan closed in time. He’s an …
Noel E.Chula Vista, CA2018
Kyle is really helpful
I went to the bank to get some information and walked out pre approved. Throughout the process his team and himself were present, helpful, and always looked out for my best. My first time home buying experience was not stressful at all.
M. Bogarin ToscanoSan Diego, CA2018
He's your best shot.
Kyle is the reason why we bought the home, honestly. Had we not had a representative so attentive and willing to teach my wife and I we would have been totally lost in the process and ultimately not bought a home. We have been working with him for nearly two …
Kyle B.Oceanside, CA2018
Kyle is awesome!
Kyle was great… The way he welcomed my wife and I with open arms, it was like he had known us for years… He was very informative and knowledgeable and I feel that even after our closing I could look to him for advice.
Cortez C.Wildomar, CA2018
The loan process was detailed and extensive. Throughout the process though, the whole team ensured that my wife and I understood every part of what it means to buy a home.
Kyle B.San Diego, CAMarine Corps2018
100% better than first round. Everything was up front and understood before process was started. Perfect.
Michael M.San Diego, CANavy2017
Honest and Patient.
Kyle made everything easy for me. My work environment and hours leaves me almost no time to check emails or take care of my personal business. He made sure that he reached out to me when I’m needed the most and made sure that I’m aware of what’s going on …
Ginalyn D.San Diego, CA2017
Staff has been very helpful and patient with assisting us.
Kenneth F.San Diego, CANavy2017
An attitude of care and understanding of the impact buying a home has on your life
The most helpful thing a loan broker can do for you after he looks over the numbers is tell you the truth, guide you through the process making sure you understand what's happening and why as well as what to expect and when. This is what Kyle did for us …
T.J. C.San Diego, CA2017
Outstanding!
Kyle went out of his way to keep me updated and answer ALL my questions in a timely manner. Due to my work schedule and low cellphone signal within the building, I would at times reach out to him before or after his working hours. Yet, he was always friendly, …
Vere L.Murrieta, CA2017
Kyle IS GREAT!
Kyle was amazing all through the process. Step by step he answered all of our questions in a timely manner. Very professional, always kept us in the loop in regards to where we were at in the process. …
Celia T.Lakeside, CA2017
Great Job!
My wife and I are both very busy with demanding schedules. Kyle went out of his way to accommodate us and even came over to our apartment several times to assist with paperwork.
Brandon V.San Diego, CA2017
Very professional and helpful
Fherone J.San Diego, CAMarine Corps2017
It was great to work with staff in a relaxed atmosphere where there was no pressure and everyone was willing to help with the process to get loan approval to closing. good job!
Michael B.San Diego, CAMarine Corps2017
Everything went very smoothly and everyone we worked with were very supportive and kind.
Ricky P.San Diego, CANavy2017
They're just awesome, they always made sure we were informed of what was happening and what we needed to do. Great service
Michael D.San Diego, CAMarine Corps2017
Kyle and team and super duper awesome!
Joseph L.San Diego, CANavy2017
Kyle and Jason made the process very easy and took the time to answer all of my questions thoroughly with each step.
Alexander S.San Diego, CAMarine Corps2017
They did a grate job,I was the one that took time to find the right place, as a team wonderful worked with me every inch of the way. Kayle was wonderful explaining everything to me step by step could not ask for a better.
John P.San Diego, CANavy2017
Kyle Melvyn was great in keeping us updated on the process. Being a first time homeowner, we didn't know what to expect. Kyle walked us through the process and made very easy for us to get our first home.
Hector M.San Diego, CAMarine Corps2017
Kyle Melvin and his team were great at San Diego. I highly recommend them to everyone.
Nikki L.San Diego, CAArmy2017
Staff is incredibly professional and proficient. They were always took initiative and ensured everything was done well before deadlines.
Katherine J.San Diego, CAMarine Corps2017
Kyle and the crew did an amazing job to get me into my home fast and comfortably
Jason L.San Diego, CANavy2016
Every single person we encountered in the office had a flare for hospitality. From Aloha Fridays to our agent connecting with us so personally that he always asked about our son and remembered our special life events. We could not have asked for a better experience!
Brian W.San Diego, CANavy2016
Outstanding
Vanessa P.San Diego, CANavy2016
74 written reviews are shown here, newest first; the average counts all 79, including the ones not shown. Reviews are from clients Kyle has worked with, in their own words. Results vary; a review is not a promise of terms.
The benefit doesn't expire.
Veterans, retirees and surviving spouses use the VA loan for decades after service — a second time, a refinance, a first house at 50. The rules are the same; the questions are different. Start here.
What your rating carriesDisability compensation by rating, and the home price it reaches
Use it againEntitlement, restoration, refinancing the one you have
Your state's benefitsProperty-tax exemptions and state programs that stack on the VA loan
Photos by Vitaly Gariev and Jason Gooljar on Unsplash
BAH at a glance · 2026 official rates
E-5 with dependents, six posts
Naval Base San Diego
$3,975
per month
HUD 3BR rent $2,960
MCAS Miramar
$3,975
per month
HUD 3BR rent $4,520
Camp Pendleton
$3,963
per month
HUD 3BR rent $4,190
Fort Hood
$1,695
per month
HUD 3BR rent $1,690
Fort Carson
$2,358
per month
HUD 3BR rent $2,620
Naval Station Norfolk
$2,430
per month
HUD 3BR rent $3,250
Sources: Defense Travel Management Office (BAH); HUD Fair Market Rents, FY2027 (rent). Both reset yearly; this site never writes either figure into copy.
Questions, by topic
Straight answers to the questions people actually ask
›Can I buy a second house in the same city with a VA loan?
Yes, if the new house is genuinely going to be your primary residence and the old one is not — a growing family moving up, a divorce, a move closer to a new job or school. VA has no rule against two VA loans in the same city, but the lender has to be satisfied that you are moving, not buying a rental with a primary-residence loan. Remaining entitlement decides whether the second loan needs a down payment.
Full answer →›Can I pay off my VA loan early?
Yes, at any time and in any amount, with no penalty. Federal law bars prepayment penalties on VA-guaranteed loans, so extra principal payments, a lump sum, or a full payoff cost nothing beyond the balance and accrued interest. Paying early shortens the loan and cuts total interest; it does not lower the monthly payment unless you refinance or the servicer agrees to a recast.
Full answer →›Can I use my VA loan twice?
Yes. The VA loan is not a one-time benefit. When you sell a home and pay off its VA loan, the entitlement it used is restored and you can use it again with no down payment. You can even have two VA loans at once, using the entitlement left over after the first — which is common on a PCS.
Full answer →›Does the seller have to pay my closing costs on a VA loan?
No. Nothing in the VA program requires a seller to pay a buyer's closing costs; that is negotiated in the contract like any sale. What VA does is limit what the buyer can be charged — a lender's flat fee is capped at 1% of the loan, and certain 'non-allowable' costs cannot be charged to the veteran at all — and cap seller concessions at 4% of the value for things beyond ordinary closing costs. The persistent belief that sellers must pay is why some listing agents avoid VA offers, and it is wrong.
Full answer →›How soon can I sell a house I bought with a VA loan?
Whenever you want. VA has no minimum holding period and no penalty for selling early; the occupancy requirement is that you intended to live there and did, not that you stay a set number of years. The real constraint is money: selling inside the first couple of years usually means the commissions and closing costs on both ends exceed any equity you built. Selling and paying off the loan restores your entitlement for the next purchase.
Full answer →›What happens to my VA loan in a divorce?
Nothing, automatically. The loan, the note and the entitlement charged to it stay exactly as they were, no matter what the decree says, until the loan is refinanced, assumed or paid off. If the veteran keeps the house, a refinance removes the ex-spouse from the note; if the ex-spouse keeps the house, the veteran stays liable and the entitlement stays tied up unless the ex-spouse refinances into their own loan or — only if the ex-spouse is also an eligible veteran — assumes it with a substitution of entitlement. The decree governs the two of you; it does not bind the lender or VA.
Full answer →San Diego orders
Find the market around your gate
San Diego County changes quickly from base to base. Naval Base San Diego opens the South Bay, where Navy BAH goes furthest. Miramar pulls families up I-15 for schools. Pendleton puts the commute first in North County. East County adds an inland value option.

Orders in hand?
That is enough to start. Send Kyle the orders and an LES and get a plan for the new station — buying power, likely payment, timeline — before house-hunting leave.
A free 30-minute call, booked on Calendly.


