Hey Wayne.... The first thing you need to do is find yourself a good agent. I just helped a military family use VA benefits to get into a great bank-owned home in Vista....they had previously been working with another agent for over a year with no sucess. There are 42 detatched homes available in those zip codes that meet your general search criteria - not including those marked as short sales. Send an email to email@example.com and I will send you more information.