“Straight answers, no salesman act. As a vet, I liked that it’s a veteran-owned team.”
Sam E., City Heights
No spam, no pressure. We only use your information to respond to your request.
As Seen On
Veteran-Owned · Marine-Led
Freedom.You earned it. Now you own it.
100,000Veterans & Military Families
One mission: 100,000 veterans and military families in homes of their own, from San Diego to every state they’re stationed in. You earned your freedom through service. We help you turn it into financial freedom through homeownership, using the VA loan benefit you earned.
VA Loan Specialists
$0 down for qualified buyers and no PMI. We know the VA process inside and out.
PCS Specialists
Orders in hand? We move on your timeline, including virtual tours for remote and deployed buyers.
Relocation Specialists
Moving to or from San Diego, we guide you on bases, neighborhoods and commutes, and connect you with a trusted agent wherever your orders take you.
“First house, first VA loan, and no clue what I was doing. They walked me through the COE, the appraisal, all of it in plain English. Zero down, and we had the keys in 34 days.”
DN
David N.Mira Mesa · First VA purchase
5.0
“Six weeks from PCS orders to closed. They found us a VA-approved condo near Pendleton, walked it on video since we were still in Virginia, and handled the rest. Military families: these are your people.”
JK
James K.Oceanside · VA condo purchase
5.0
“Adrian showed us how a VA loan could buy a fourplex. We live in one unit and the other three help cover the mortgage. Nobody else even told us that was possible.”
MA
Miguel A.Chula Vista · VA multi-unit buyer
5.0
“We were stationed at Pendleton and had no idea which neighborhoods made sense for the commute. They mapped it out by drive time and school district before we ever toured a house.”
SP
Sandra P.Vista · Relocating to Camp Pendleton
5.0
“I was deployed for most of the search. My wife did the tours, Adrian sent video walkthroughs, and we closed with a power of attorney. Not once did it feel like we were an inconvenience.”
BS
Brian S.Escondido · Deployed buyer
5.0
“Retired after 22 years and wanted a place of our own instead of signing another lease. They found it, lined up a lender who knew VA loans, and we closed in under 40 days.”
GS
Gloria S.La Mesa · Buying after retirement
5.0
“We were throwing away money on rent while sitting on a benefit we never used. They ran the BAH numbers against a mortgage and it wasn't close. Should have called years ago.”
HR
Hector R.Spring Valley · Used BAH to buy
5.0
“The VA appraisal came in low and I figured the deal was dead. They renegotiated with the sellers and we still closed on time. That's the part you don't get from a call center.”
KH
Karen H.Encinitas · VA purchase
5.0
“Bought my first place with them in 2019 and used my VA benefit again this year for something bigger. Same team, same straight answers both times.”
TW
Tom W.Santee · Second VA purchase
5.0
“My husband is active duty and I did most of the legwork. They treated me like the decision-maker I was, explained every form, and answered texts at hours I'm still apologizing for.”
AV
Angela V.Lemon Grove · Military spouse
How It Works for Veterans
1
Talk with our teamGoals, timeline, and the bases you need to be near.
2
Get pre-approvedA VA lender pulls your COE and real numbers.
3
Tour with a planHomes that fit your commute, your BAH, and VA standards.
4
Offer and appraisalWe negotiate; the VA appraisal protects you.
5
Close and get your keysOften 30 to 45 days, built around your report date.
Or call (619) 345-5478 · free consultation, zero obligation.
Base Relocation Guide
Find Your Neighborhood by Base
Select your duty station on the map to see a 5-mile reference radius and the San Diego communities we recommend for military families, ranked by commute, schools, lifestyle, and value.
N U.S. Navy
M U.S. Marine Corps
C U.S. Coast Guard
Recommended neighborhood
VA Loans, Made Simple
You earned it. Here is what your VA loan does and how to use it in San Diego.
$0 down
Finance 100% of the price when the VA appraisal supports it.
No monthly PMI
No monthly mortgage insurance, at any down payment.
Competitive rates
The VA backs part of your loan, so lenders can often price lower.
Reusable for life
Use your benefit again when you sell or refinance.
Who qualifies
Veterans, active duty, many Guard and Reserve members, and some surviving spouses. Your COE confirms it.
The funding fee
One time, usually rolled into the loan, and waived for many, including those receiving VA disability compensation. Your lender confirms yours.
VA Loan vs. Conventional
Not sure whether to use your benefit? Here's the honest comparison.
For veterans with full entitlement, VA loan limits were eliminated in 2020. You can borrow as much as your lender will approve with no down payment, as long as the VA appraisal supports the purchase price, even in San Diego's higher price ranges. If you have remaining (partial) entitlement because another VA loan is still open, county loan limits do apply.
Can I really buy a home in San Diego with $0 down?
Yes. The VA loan lets qualified veterans and active-duty service members buy with no down payment and no private mortgage insurance (PMI), as long as the appraisal supports the price. We'll connect you with VA-approved lenders and walk you through your Certificate of Eligibility. One honest caveat: $0 down does not mean $0 at closing. There are still closing costs, though VA loans are built with fewer of them and the seller can agree to cover some.
How long does a VA loan take to close in San Diego?
VA loans typically close in 30–45 days. Working with an experienced VA loan agent and lender keeps the appraisal and underwriting on schedule, and if you're on PCS orders, we build the timeline around your report date.
Can I buy a multi-unit property with a VA loan?
Yes. A VA loan can purchase a property with up to four units as long as you live in one of them. Many military buyers use this to have rental income help cover the mortgage. Ask us how it works.
Does it cost anything to work with AqTEAM as a veteran buyer?
We agree on our compensation in writing before you commit to anything, and in most San Diego transactions it is covered through the sale rather than out of your pocket. Buyer-agent compensation is negotiable, so we walk you through the numbers up front and make sure there are no surprises at closing. You bring your VA benefit; we bring the local expertise, the lender relationships, and the negotiation.
"Faith over fear. We show up, keep our word, and let the results speak."
Meet the Founder
From the Corps to Your Corner
A Marine Corps veteran, Adrian founded AqTEAM Realty on Corps values: discipline and accountability.
With his wife Marena, he has helped hundreds of San Diego families put down roots.
Adrian QuijanoU.S. Marine Corps Veteran · Founder, AqTEAM Realty · Brokered by Realty of America
Veterans Across San Diego County
From Camp Pendleton to the border, we help military families buy across the county.
San Diego
Chula Vista
Oceanside
Carlsbad
Escondido
El Cajon
La Mesa
Santee
Vista
Encinitas
San Marcos
Buy With a Team That Understands Veterans
Buying with a VA loan, first time or fifth, one veteran-owned team runs it start to finish.
We help San Diego's military community buy across the county. Give us a call at (619) 345-5478 or tap below, and a member of our veteran-owned team will reach out within 24 hours.
PCS clocks, deployment schedules, powers of attorney, remote closings. We've handled them all. Wherever in the world you're stationed, your San Diego home search is handled with care and total privacy.
