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San Diego's #1

VA Lender

Our mission is to serve veterans like you.

James Darby was such a tremendous help both in finding our forever house and getting financed to buy the house! The whole process seemed very smooth. He was straightforward, honest, and extremely knowledgeable. He is extremely accessible by phone or email which is what I personally prefer. He will answer emails sometimes in the middle of the night and I appreciate that kind of dedication! I would definitely recommend him!


James is the best. He helped as to find our dream home and by his help, we got our home loan approved in no time. Everyday James kept updating all status process, and what we needed to complete to move forward faster. Everything was so smooth and no hassle. Less than 30 days, we moved to our beautiful home. Once again thank you to James.

• Nora Elizabeth

I’m a first time homebuyer. James and his team helped me through the entire process. I required a lot of hand holding and he was there with me through each step of the process. James helped me right away and got me a lower interest rate! It was super awesome and stress free, because he knows his stuff. James consistently performed as well as we expected. Would recommend to everyone!

• Jill C.

James is everything we had hoped for in a realtor and more! Being new to the area, he gave us a great tour of all the neighborhoods and really helped guide us in finding the right areas to focus on for our home search. he Was immensely patient and helped us stay patient as we waded through the crazy San Diego housing market! His network of contacts is another great asset. James helped us find a great home in a great location that really met our needs! I would highly recommend James Darby to anyone venturing into the housing market and you will not be disappointed!

• Melissa M.

James was everything we needed in a realtor and more. He made the first-time home buying process so easy on us. There were plenty of issues that had to be worked out, but he managed them all and always kept us in the loop. From the first meeting, I knew he was someone we could trust for straight-forward advice. He listened to our needs, gave us direction when we were uncertain, and walked us through each step of the process. We couldn’t be happier!

• Daniela Cardili



No down payment required
Some closing costs are limited by the VA
No mandatory private mortgage insurance requirement
No penalty for an early repayment

Most non-VA home loans require a costly monthly mortgage insurance policy for borrowers who don’t have at least 20% equity or greater invested yet into their homes. A government-backed mortgage never requires a borrower to pay private mortgage insurance premiums (PMI).


Not everyone is eligible to get a VA home loan. If you are currently serving in the armed forces, then you might be eligible after completing 90 consecutive days of active duty within any wartime or peacetime period. If you do not meet the VA’s active duty minimum service requirements, regular military members will need to serve two consecutive years, while Reservists and Guard members will need to serve six years.

To learn more about a VA Loan, contact USAFC Realty.

Your next home is waiting for you!

Serving your country has earned you:

No down payment on most home purchases.

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Certain closing costs limited by the VA.

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No private mortgage insurance (PMI).

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No penalty for early loan repayment.

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I'm Here To Help You

James Darby

USA Realty & Financial Consultants are here to help you today with your VA Loans. We are going to make sure we provide you with the lowest rates for VA Loans. Our Process is quick and easy and can be even done through our website. We are the trusted source by hundreds of different customers here in the San Diego area.

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    Further Loan products



    Please feel free to find out more about FHA Loans.
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    Please feel free to find out more about Conventional Loans.
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    Please feel free to find out more about Non-Traditional Loans.
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    Please feel free to find out more about Jumbo Loans.
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