Question 1

Can I use a VA loan for a fixer-upper in Sanger?

Accepted Answer

Standard VA loans require move-in condition. For properties needing work, VA Renovation loans exist but add complexity most Sanger deals don't need.

Question 2

Do I need reserves for a VA loan?

Accepted Answer

VA guidelines don't require reserves, but some lenders want 1-2 months for higher DTI ratios. We find lenders who follow actual VA rules.

Question 3

What's the VA loan limit in Fresno County?

Accepted Answer

Fresno County has a $766,550 limit for 2026. Most Sanger properties fall well under that, so you can buy with zero down.

Question 4

Can I buy a manufactured home with a VA loan?

Accepted Answer

Yes, if it's on a permanent foundation with the land included. Sanger has manufactured homes that qualify under VA guidelines.

Question 5

How long does VA loan approval take in Sanger?

Accepted Answer

Expect 30-45 days from application to closing. Getting your COE upfront and choosing the right lender keeps timelines tight.

Question 6

Can sellers refuse VA offers in Sanger?

Accepted Answer

Sellers can reject any offer, but VA financing doesn't hurt competitiveness in Sanger's price range. Properties move fast regardless of loan type.

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