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Ione sits in Amador County — rural, affordable, and a strong fit for VA buyers. No jumbo concerns, no inflated price tags.
VA loans shine here because prices stay reasonable. Zero down goes a long way in a market like this.
0%
Down Payment
620 (typical)
Min Credit Score
None
Mortgage Insurance
2.15% (first use)
VA Funding Fee
None w/ full entitlement
Loan Limit
VA Loans in Ione
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Active-duty, veterans, and surviving spouses all qualify. Full entitlement means no loan limit in most cases.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Ione.
Ione sits in Amador County — rural, affordable, and a strong fit for VA buyers. No jumbo concerns, no inflated price tags.
VA loans shine here because prices stay reasonable. Zero down goes a long way in a market like this.
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Most big banks offer VA loans, but their rates aren't always the sharpest. Wholesale lenders often beat retail pricing.
We work with 200+ wholesale lenders. That means we shop your VA loan — not just quote one rate and call it done.
VA appraisals can be stricter than conventional. Older homes in Ione may flag repairs — know that going in.
The VA funding fee catches buyers off guard. First-time use with zero down runs 2.15%. Disabled veterans are exempt.
FHA requires 3.5% down and permanent mortgage insurance. VA beats it for eligible borrowers — no question.
USDA is also zero down and worth a look in Ione. The difference: income limits apply. VA has none.
Ione is a small town. Some properties sit on larger lots or have well and septic systems. VA has specific rules for both.
Appraisers familiar with rural Amador County matter. An appraiser from Sacramento may not know local comps well.
VA loans require a home on the property. Raw land alone does not qualify, but a home with acreage typically does.
Yes, but the VA requires inspections for both. The well and septic must meet minimum property requirements before closing.
Veterans with full entitlement have no loan limit. Borrowers with reduced entitlement may have county-based caps.
Rural areas can run slower — sometimes 2 to 3 weeks. Plan ahead and lock your rate with that timeline in mind.
Yes, if you have a service-connected disability rating from the VA. Your lender will verify exemption status before closing.