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Piedmont sits in the East Bay hills, surrounded by Oakland. Home prices here run high — this is one of Alameda County's most competitive markets.
VA loans shine in expensive markets. Zero down means veterans can compete without liquidating savings or retirement accounts.
620 (some lower)
Min Credit Score
0%
Down Payment
None
Mortgage Insurance
~2.15% of loan
Funding Fee (1st use)
21–30 days
Est. Close Time
VA Loans in Piedmont
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders require a 620 credit score, though some go lower.
VA loans have no debt-to-income hard cutoff. Lenders look at residual income — what's left after all bills are paid. That's a different standard than conventional loans.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Piedmont.
Piedmont sits in the East Bay hills, surrounded by Oakland. Home prices here run high — this is one of Alameda County's most competitive markets.
VA loans shine in expensive markets. Zero down means veterans can compete without liquidating savings or retirement accounts.
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders require a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some are slow, some charge unnecessary fees, and few understand high-cost California markets like Piedmont.
At SRK CAPITAL, we shop VA loans across 200+ wholesale lenders. That means better rates and faster closes than going to a single retail bank. Rates vary by borrower profile and market conditions.
Sellers in Piedmont sometimes hesitate on VA offers. They've heard VA appraisals are strict. That concern is manageable with the right offer structure.
We coach our VA buyers on how to present strong offers. An experienced VA broker changes how listing agents perceive your bid.
FHA requires 3.5% down and charges mortgage insurance for the loan's life. VA requires zero down and no mortgage insurance — ever.
Jumbo loans in Piedmont are common given price points. VA jumbo loans exist but require more scrutiny. For loans inside conforming limits, VA almost always wins on cost.
Piedmont is an enclave city — fully surrounded by Oakland. Properties here are often older, detached single-family homes on hillside lots.
VA appraisers check for health and safety issues. Older homes in Piedmont may need deferred maintenance addressed before closing. Budget time for that.
Borrowers with full VA entitlement have no loan limit. If you've used VA before and have remaining entitlement, county limits apply.
We pull it directly through the VA portal in most cases. It takes minutes — you don't have to chase it yourself.
Some hesitate, but a strong offer structure addresses that. We've helped VA buyers compete successfully in tight markets.
It's a one-time fee rolled into the loan — typically 2.15% for first use. Disabled veterans are often exempt.
Yes, but the condo complex must be VA-approved. We check the VA approval list before you make an offer.
With all documents ready, 21-30 days is realistic. VA appraisals add a step — we order them immediately to avoid delays.