We Make Home Loans Easy!
THANK YOU FOR YOUR SERVICE
Doug Bullwinkel
Loan Officer/Former U.S.Marine
CERTIFIED MILITARY RELOCATION SPECIALIST
NMLS #281609
DRE Broker 00424869
916-295-0044 dbullwinkel@EMortgageCapital.com
Licensed to Originate Loans In CA
WELCOME TO CALVETLOANS.COM!
As a Veteran, you have a unique opportunity to purchase a home using a CALVET HOME LOAN, or you can choose a VA HOME LOAN. Both are great choices, and both offer No Down Payment Options. There are other loan programs available, but for most Veterans, the CALVET or VA Loan Programs offer several distinct advantages.
The CALVET Home Loan Program was originally established by the Veterans Farm and Home Purchase Act in 1921, as a thank you for Veterans returning from World War 1. CALVET is not a bank or a finance company. They are a California, non-profit State Agency, authorized to provide home loans to California Veterans and their families. CALVET is a State Benefit funded through the sale of Tax-Exempt Bonds at No Cost to California Taxpayers. Their only mission is to help as many California Veterans as possible. They can make loans that banks and for-profit lenders can’t or won’t make.
YOU HAVE CHOICES…
CALVET ONLY OFFERS CALVET LOANS. As a licensed Mortgage Broker, I can offer you CALVET and VA Loans, in addition to a complete menu of other home loan products. I work with over 100 wholesale lending sources to find the best interest rates and terms for you. My role is to educate you on the benefits of each, and let YOU determine which loan program is the best choice for you and your family. Everyone’s circumstance is different, so the best loan for one isn’t necessarily the best choice for someone else.
Brokers are better
Applying for a home loan can feel daunting, but I’m here to simplify the process. Whether you are purchasing your first home, refinancing for a lower interest rate, or taking cash out for any reason, I will be there with you every step of the way, from application to closing. That is my personal promise to you.
Unmatched Support
Our dedicated team is here for you every step of the way, offering guidance and answering all your questions to make your home-buying journey smooth and enjoyable.
Personalized Service
We tailor our services to fit your unique needs, providing a seamless and stress-free experience from to start to finish.
Expertise You Can Trust
With years of industry experience, our team knows the ins and outs of the mortgage process, ensuring you get the best advice and solutions.
Save $ While Building Equity
CALVET and VA offer 0% down payment options, with generally
lower rates than Conventional loans while providing broader eligibility.
Our Mission Is To Help Veterans
You and your family have sacrificed for the good of the country and now it’s time for your country to do something good for you. You need an advocate; someone who knows who you are and what sacrifices you and your family made to get where you are today. As a Marine Corps Veteran myself, I have been there too. I am here to be your trusted and experienced advocate for the Sacramento, Roseville, Rocklin and Northern California area with over 30 years of mortgage and loan experience. Your VA loan is a Benefit that you have earned, and I will make sure that you get every advantage with a smooth transaction, competitive interest rate and fees, and superior service and communication throughout the transaction.
E Mortgage Capital, Inc. is the NUMBER ONE mortgage brokerage in California with over 12,000 “5 Star” Reviews. As a Mortgage Broker, my job is to assist you to complete a loan application, then guide you through the process of gathering the necessary documentation to process and approve your loan. When your application is completed, we will have a discussion to determine which loan program will best suit YOUR needs. At your direction, I will submit your application to either CALVET, or one of my other lenders for final review and preliminary loan approval. Once you are in contract on a home purchase, the appraisal can be ordered and upon receipt, your loan will get final loan approval and be cleared to close. After signing a few papers, electronically and some with live signatures, you will proceed to achieve the American Dream of Home Ownership.
In addition to providing great financing options for you, as a fellow Veteran, I will review your military history to determine if you may qualify for any additional VA benefits. One of these benefits is a VA Disability Rating. If you already have this benefit, you know how valuable this can be for you and your family. If you don’t have it, I can introduce you to a VA Service Officer to assist you to determine if you qualify for this benefit. This could save you thousands on your home purchase and any subsequent home purchases or refinances in the future. Please Call or Text me at 916-295-0044 or email me at dbullwinkel@emortgagecapital.com for more information. Whether you work with me on your home financing or not, I’m here to help you in any way I can. That’s what Veterans do for each other.
Please download the Veterans Resource Book for additional information on your potential VA benefits. 
NMLS #1416824
CALVETLOANS.COM is a personal website, owned by Douglas Bullwinkel, a licensed loan officer with E Mortgage Capital, Inc. All loans are processed, then submitted to various wholesale lenders for underwriting and approval. E Mortgage Capital and CALVETLOANS.COM are not affiliated, nor endorsed by any government agency.
CALVET HOME INSURANCE:
A Smart Choice for Veterans Seeking Rural Homes
For many veterans, the dream of living in California’s serene countryside is overshadowed by the challenges posed by skyrocketing insurance premiums. The current crisis has made it increasingly difficult to find affordable coverage for rural properties, particularly regarding fire and natural disasters. Insurance companies are leaving California and canceling many existing policies. Fortunately, CALVET Insurance offers a solution tailored specifically for veterans, making rural living more accessible and affordable. The same great coverage is available for properties in the city. Some additional restrictions may apply for condos and mobile homes in parks or on land.
CALVET Insurance provides very low deductibles–for fire and hazards, flood, and even earthquake coverage, all with guaranteed replacement coverage. Unlike many conventional insurance options which often come with steep premiums and high deductibles, CALVET allows veterans to secure comprehensive coverage without breaking the bank. THIS COVERAGE IS ONLY AVAILABLE WITH A CALVET HOME LOAN. Call or TEXT Doug Bullwinkel at 916-295-0044 or email dbullwinkel@emortgagecapital.com for details.
With competitive rates and comprehensive protection, CalVet Insurance should be the first choice for veterans eager to embrace the rural lifestyle, A CalVet Home Loan not only offers a path to homeownership but includes the peace of mind that comes with knowing their investment is well protected.