Question 1

Can I use a VA loan for a Walnut Creek condo?

Accepted Answer

Yes, if the complex is VA-approved. We check certification status before you write an offer to avoid wasted time on ineligible properties.

Question 2

Do VA loans work on Walnut Creek's higher-priced homes?

Accepted Answer

Absolutely. Borrowers with full entitlement can finance any amount the lender approves. We regularly close VA loans above $1.5 million in Contra Costa.

Question 3

What credit score do I need for VA loans here?

Accepted Answer

Most lenders want 620 minimum. Some accept 580 with compensating factors like large asset reserves or low debt ratios.

Question 4

How much is the VA funding fee in California?

Accepted Answer

2.3% for first-time use with zero down, 3.6% for subsequent use. Disabled veterans rated 10%+ are exempt from the fee entirely.

Question 5

Will sellers in Walnut Creek accept VA offers?

Accepted Answer

Yes. VA appraisals here close as fast as conventional, and seller concessions help cover your closing costs without slowing the deal.

VA Loans in Walnut Creek — Zero Down for Veterans Who Qualify