Question 1

Can I use a VA loan on Kerman properties with acreage?

Accepted Answer

Yes, if the property is primarily residential. VA allows acreage but the home must be your residence, not a commercial farm operation.

Question 2

Do VA loans take longer to close in Kerman?

Accepted Answer

Usually 30-40 days, similar to other loans. The main variable is finding a VA appraiser familiar with rural Fresno County properties.

Question 3

What if the Kerman home doesn't meet VA property requirements?

Accepted Answer

Seller typically makes repairs or credits you at closing. Most issues are minor—peeling paint, safety railings, water heater straps.

Question 4

Can I buy a fixer-upper in Kerman with a VA loan?

Accepted Answer

Standard VA loans require move-in condition. Consider VA Renovation loans for properties needing significant work—different process and requirements.

Question 5

How does the VA funding fee work if I'm buying again?

Accepted Answer

Second use runs 3.3% with zero down versus 2.15% first-time. It finances into the loan and disabled veterans remain exempt.

VA Loans in Kerman: Zero Down for Veterans in Fresno County