Question 1

Can I use a VA loan to buy land with a home in Bishop?

Accepted Answer

Yes, if the primary use is residential. Properties with excess acreage or active farming may need additional review.

Question 2

Does Bishop fall within VA loan limits?

Accepted Answer

VA removed loan limits for full-entitlement borrowers in 2020. You can buy without a cap if you have full entitlement.

Question 3

Can I use VA financing on a well and septic property?

Accepted Answer

Yes. VA allows well and septic, but both must pass inspection. Many Bishop homes use them — it's standard here.

Question 4

What is the VA funding fee in 2026?

Accepted Answer

Rates vary by borrower profile and market conditions. First-time use with zero down runs 2.15% for most veterans. Disabled vets are exempt.

Question 5

How long does VA loan approval take in Bishop?

Accepted Answer

Expect 30-45 days. Rural appraisals in Inyo County can take longer. Starting your COE early speeds things up.

Question 6

Can a surviving spouse use a VA loan in Bishop?

Accepted Answer

Yes. Unmarried surviving spouses of veterans who died in service or from a service-connected disability are eligible.

VA Loans in Bishop, CA — Zero Down for Veterans