Question 1

Can I use a VA loan to buy a fixer-upper in Selma?

Accepted Answer

Not if it needs major repairs before move-in. VA requires homes to be safe and livable at closing, though cosmetic updates are fine.

Question 2

Do Selma sellers accept VA offers competitively?

Accepted Answer

Yes, especially when you show pre-approval and explain the funding fee is financed. Sellers can pay all your closing costs, making offers stronger.

Question 3

What's the VA loan limit in Fresno County?

Accepted Answer

No limit exists for veterans with full entitlement. You can borrow whatever amount lenders approve based on income and debt ratios.

Question 4

How long does VA approval take in Selma?

Accepted Answer

Certificate of Eligibility takes 3-10 days online. Full loan approval runs 25-35 days, similar to conventional financing timelines.

Question 5

Can I buy a manufactured home with VA in Selma?

Accepted Answer

Yes, if it's permanently affixed to land you own and meets HUD codes. Many Selma manufactured homes qualify under these rules.

VA Loans in Selma: Zero Down for Service Members in Central Valley Agriculture Country