Silvia Aguilar
Home Seller
Google review
Oceanside, California
Military and VA Realtor in North County.
Helping service members, veterans, and North County homeowners buy and sell with confidence.
5-star reviews on Google and ZillowMarine Corps VeteranHablo Español
How I Can Help
Buying With VA
What $0 down really covers, step by step, from your Certificate of Eligibility to the keys.
Learn MoreMarket Report
Active, pending, and sold homes near any address, with prices and days on market.
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Meet Your Agent
Luis
Military and VA Realtor
Marine Corps VeteranHablo EspañolPAK Home Realty
I’m Jose Luis Tepox Jr. Everyone calls me Luis. I did 10 years in the Marine Corps, I used my own VA loan, and now I help other people who served use theirs.
Buying or selling is a big moment, so I walk you through all of it: the lender, the inspections, the vendors. Once we work together, you’ve got a Realtor for life.
My StoryWhat Clients Say
What It’s Like Working With Me
Crystal Quiroz
Active Duty Service Member · Sold on PCS Orders
Zillow review
Dara Smith
Dual Active Duty Family · First-Time Buyers on PCS Orders from Okinawa
Zillow review
Tey Valdez
Veteran · First-Time VA Buyer from Texas
Google review
Raymond DeRosa
Active Duty Service Member · First-Time Home Buyer
Google review
The VA Loan
Your VA Loan, in Plain English
Your VA loan is one of the strongest benefits you earned. Here is the short version.
Entitlement is your benefit, confirmed by a Certificate of Eligibility. Closing costs are the fees to finalize the loan, and the seller can often cover part of them. The funding fee is a one-time VA charge you can roll into the loan.
Read the VA Loan Guide2026 at a Glance
$0 downNo down payment for eligible veterans and service members.
No monthly mortgage insuranceVA loans don’t carry PMI.
Funding fee 2.15%First use with less than 5% down. Waived if you receive VA disability compensation.
No VA loan limitWith full entitlement, the VA sets no cap on the loan amount.
Questions
Frequently Asked Questions
Straight answers on zero down, PCS moves, and what a VA purchase really costs.
Ask Me a QuestionCan a veteran buy a home in San Diego with zero down?
Yes. The VA loan lets eligible veterans and active-duty buyers purchase with no down payment and no monthly mortgage insurance. San Diego prices run higher than the national average, so I walk you through your entitlement, your real price range, and how to structure an offer that still clears the VA appraisal.
How does a VA loan work in North County San Diego?
The VA backs the loan, a regular lender funds it, and you get competitive rates without private mortgage insurance. I help you confirm your entitlement, line up a lender who closes VA loans often, and time everything around your move so the loan closes on schedule.
Can I buy here if I am PCSing from out of state?
Yes, and many of my clients do exactly that. I run remote tours, handle documents digitally, and build the timeline around your report date so you can close before or right as you arrive.
How much house can I afford with a VA loan?
It depends on your BAH, income, debts, and current rates, not one sticker number. I help you set a monthly payment you are comfortable with first, then match it to neighborhoods and price points that fit.
What closing costs should a VA buyer expect?
Lender fees, title and escrow, and the VA funding fee, which is waived if you receive VA disability compensation. Sellers can often cover part of your costs, and I give you a clear estimate up front so there are no surprises at the table.
Which North County cities do you serve?
Camp Pendleton, Oceanside, Carlsbad, Vista, Escondido, Fallbrook and San Marcos, plus Encinitas, Solana Beach, Del Mar and the rest of North County San Diego. I also work across San Diego County, including the City of San Diego, and I’ve closed deals as far as Temecula, Murrieta, Menifee and Twentynine Palms. My focus is active duty service members, veterans, and their families, and I help every buyer and seller. If your area isn’t listed, call me anyway.
How do I get started?
Book a call below, call or text (619) 485-8293, or email luis@joseluistepoxjr.com. Tell me your timeline and whether you are using a VA loan, and I will put together a game plan with you.
Ready to talk?
Pick a time that works and it goes straight on my calendar.
Prefer to call? (619) 485-8293
