Question 1

Can I use a VA loan on a fixer-upper in San Joaquin?

Accepted Answer

Only if repairs are minor. VA requires homes to be move-in ready with working systems. Major rehabs need a VA renovation loan, which few lenders offer in this area.

Question 2

Do I pay the funding fee if I'm collecting disability?

Accepted Answer

No. Any VA disability rating waives the funding fee completely. Even 10% disability saves you thousands on a typical purchase here.

Question 3

How much land can I buy with a VA loan in Fresno County?

Accepted Answer

Depends on the lender. Some cap it at one acre, others go higher if the property isn't a working farm. We shop lenders who handle larger rural parcels.

Question 4

What's the VA loan limit for San Joaquin in 2026?

Accepted Answer

There's no limit if you have full entitlement. You can borrow any amount the lender approves, though higher amounts may require a down payment to avoid the funding fee increase.

Question 5

Can I buy a manufactured home with a VA loan here?

Accepted Answer

Yes, if it's on a permanent foundation and you own the land. The home must meet HUD codes and VA's minimum property requirements for structure and safety.

VA Loans in San Joaquin: Zero Down for Veterans in Fresno County