Question 1

Can I use a VA loan on a manufactured home in Firebaugh?

Accepted Answer

Yes if the home is on a permanent foundation and you own the land. Most manufactured homes in Firebaugh meet VA requirements but the home must have been built after June 1976.

Question 2

Do VA loans work on fixer-uppers here?

Accepted Answer

Only if repairs are minor. VA requires properties to be move-in ready with no safety hazards. Major renovations need a VA renovation loan which few lenders offer in rural counties.

Question 3

What if the Firebaugh home has well water?

Accepted Answer

VA requires a water test proving the well is safe and adequate. Testing costs $150-300. Most wells in western Fresno County pass but older systems may need treatment equipment.

Question 4

Can I buy land and build with a VA loan in Firebaugh?

Accepted Answer

Not with a standard VA purchase loan. You need a VA construction loan which requires more documentation and a builder-approved construction contract.

Question 5

How long does VA loan approval take in Fresno County?

Accepted Answer

Plan 30-40 days from application to closing. Rural appraisals add 7-10 days because fewer VA appraisers cover western Fresno County.

Question 6

What's the maximum VA loan amount in Firebaugh?

Accepted Answer

No limit as of 2026-02-27 if you have full entitlement. Veterans with prior VA loans still active may face caps based on remaining entitlement and county loan limits.

VA Loans in Firebaugh: Zero Down for Veterans in Fresno County's Agricultural Core