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Glenn County is rural. That works in your favor as a VA borrower. Home prices here are well below coastal California norms.
VA loans require no down payment. In a market like Willows, that means veterans can buy without years of saving first.
0%
Down Payment
620 (common floor)
Min Credit Score
None
Mortgage Insurance
1.25%–3.3%
Funding Fee
None
Loan Limit (full entitlement)
VA Loans in Willows
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Active-duty, veterans, and surviving spouses all qualify. Minimum service requirements vary — your discharge status matters.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Willows.
Glenn County is rural. That works in your favor as a VA borrower. Home prices here are well below coastal California norms.
VA loans require no down payment. In a market like Willows, that means veterans can buy without years of saving first.
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Not every lender knows rural California. Glenn County deals move differently than Sacramento or the Bay Area.
We work with 200+ wholesale lenders. Several specialize in VA loans in smaller markets like Willows — that matters for appraisals and timelines.
VA loans have no loan limit if you have full entitlement. Most Willows buyers won't hit a ceiling — but confirm your entitlement status first.
The VA funding fee is real. It ranges from 1.25% to 3.3% of the loan amount. Disabled veterans are exempt — that saves thousands.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA charges none of that.
USDA is also zero down and fits rural Willows well. But USDA has income caps. VA has none — and no monthly mortgage insurance.
Willows sits in an agricultural area. Some properties — large lots, outbuildings, mixed-use land — can complicate VA appraisals.
The VA has strict Minimum Property Requirements. Rural homes sometimes need repairs before a deal closes. Plan for that early.
VA loans cover primary residences, not working farms. Large acreage is fine if the home is the main focus of the appraisal.
With full entitlement, there is no VA loan limit. If you have reduced entitlement, limits may apply based on county conforming limits.
Rural VA appraisals can take longer than in urban markets. Budget extra time — 2 to 3 weeks is common in Glenn County.
It's a one-time fee paid to the VA, ranging from 1.25% to 3.3% of the loan. Disabled veterans with a service-connected rating are exempt.
Yes. If you've paid off a prior VA loan or sold that home, your entitlement can be restored. Partial entitlement situations are more complex.
For eligible veterans, VA almost always wins. No down payment, no mortgage insurance, and no income caps make it hard to beat.