Question 1

Can I use a VA loan in Holtville with no money down?

Accepted Answer

Yes. VA loans require zero down payment for eligible borrowers. You'll still need funds for closing costs unless the seller agrees to cover them.

Question 2

Does the VA loan limit matter in Imperial County?

Accepted Answer

If you have full VA entitlement, there's no loan limit. Borrowers with reduced entitlement face county-specific limits set by the FHFA.

Question 3

What is the VA funding fee in 2026?

Accepted Answer

First-time VA users with zero down pay 2.15%. Subsequent use is 3.3%. Disabled veterans with a service-connected rating are fully exempt.

Question 4

Will a fixer-upper qualify for a VA loan in Holtville?

Accepted Answer

VA has minimum property requirements. Homes with major roof, plumbing, or HVAC issues often fail VA appraisal — condition matters before you make an offer.

Question 5

How long does VA loan approval take?

Accepted Answer

Most VA purchases close in 30–45 days. The VA appraisal is the common delay — order it early and stay on top of the timeline.

Question 6

Can National Guard members use a VA loan here?

Accepted Answer

Yes, after six years of service or if called to active duty under federal orders. Get your Certificate of Eligibility pulled before you start shopping.

VA Loans in Holtville, CA — Zero Down for Those Who Served