Question 1

Can I use a VA loan on a newly built home in Paradise?

Accepted Answer

Yes. VA loans work on new construction. Budget extra time — VA appraisals on new builds run slower than standard resales.

Question 2

Is the VA funding fee waived for disabled veterans?

Accepted Answer

Yes. Veterans with a service-connected disability rating are exempt. Confirm your status with the VA before closing.

Question 3

Do VA loans work in fire-affected areas of Butte County?

Accepted Answer

They do, but you must secure qualifying hazard and fire insurance first. Some insurers have left this market — start that search early.

Question 4

What credit score do I need for a VA loan in Paradise?

Accepted Answer

VA sets no official minimum, but most lenders require 620. Some wholesale lenders we access go lower on strong files.

Question 5

Can I roll the VA funding fee into my loan amount?

Accepted Answer

Yes. Most borrowers finance it rather than pay it at closing. It adds a small amount to your total loan balance.

VA Loans in Paradise, CA — Zero Down for Veterans