Question 1

Can I use a VA loan to buy in Westmorland?

Accepted Answer

Yes. VA loans work anywhere in California, including rural Imperial County. The property just needs to meet VA minimum property requirements.

Question 2

Do I need a down payment for a VA loan here?

Accepted Answer

No. With full VA entitlement, you can purchase with zero down. No PMI applies either.

Question 3

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid to the VA. The amount depends on your down payment and prior VA loan usage. Disabled vets are often exempt.

Question 4

Is there a loan limit on VA loans in Imperial County?

Accepted Answer

Not for borrowers with full entitlement. If you've had a prior VA loan, partial entitlement rules may apply.

Question 5

How does VA compare to USDA in this area?

Accepted Answer

Both offer zero down in rural areas. VA has no income cap, making it the better fit for many buyers in Westmorland.

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