Question 1

Do I need a down payment for a VA loan in Wasco?

Accepted Answer

No. Eligible veterans can buy with zero down. Full entitlement removes loan limits too.

Question 2

Can I use a VA loan on a rural property in Wasco?

Accepted Answer

Yes, but the property must meet VA minimum property requirements. Some older or agricultural properties may not pass VA appraisal.

Question 3

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee rolled into your loan — typically 2.15% for first use. Veterans with a service-connected disability are often exempt.

Question 4

How long does VA loan approval take in Kern County?

Accepted Answer

Expect 30-45 days with a prepared file. VA appraisals in rural areas can add time — working with an experienced lender helps.

Question 5

Can surviving spouses use a VA loan in Wasco?

Accepted Answer

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

VA Loans in Wasco, CA — Zero Down for Veterans