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Lemoore sits next to Naval Air Station Lemoore — the largest Master Jet Base on the West Coast. That makes VA loans the dominant purchase loan here, not the exception.
Active-duty families, veterans, and surviving spouses make up a significant slice of Lemoore's buying pool. VA financing is built for exactly this community.
0%
Down Payment
620 typical
Min Credit Score
2.15%
Funding Fee (1st use)
None
Mortgage Insurance
21–30 days
Avg Close Time
VA Loans in Lemoore
Most lenders want a 620 credit score minimum for VA loans. Some of our wholesale partners go down to 580 for well-qualified borrowers.
You'll need a Certificate of Eligibility (COE) — a VA document proving your service history. We pull this for you directly through VA systems.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Lemoore.
Lemoore sits next to Naval Air Station Lemoore — the largest Master Jet Base on the West Coast. That makes VA loans the dominant purchase loan here, not the exception.
Active-duty families, veterans, and surviving spouses make up a significant slice of Lemoore's buying pool. VA financing is built for exactly this community.
Most lenders want a 620 credit score minimum for VA loans. Some of our wholesale partners go down to 580 for well-qualified borrowers.
VA loans aren't all priced the same. Retail banks quote one rate. Our 200+ wholesale lenders often beat that by a meaningful margin.
Not every lender handles VA well. We work with lenders who close VA loans fast — critical when sellers in Lemoore favor quick timelines.
The VA funding fee trips up a lot of buyers. First-time VA users pay 2.15% of the loan amount — but disabled veterans are exempt entirely.
Sellers can pay your closing costs under VA rules. In Lemoore's market, negotiating seller concessions is absolutely worth attempting.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA has neither. For eligible borrowers, VA wins almost every time.
USDA is also zero down, but it restricts eligible areas and has income caps. VA has no geographic restriction and no income ceiling.
Lemoore homes near the base move quickly. Pre-approval isn't optional here — sellers won't take you seriously without it.
Kings County is a smaller market with limited inventory. Getting your COE and finances squared away before you search saves real time.
No. VA loans allow 100% financing with zero down. You may still owe closing costs unless the seller agrees to cover them.
Yes. VA entitlement can be restored after you sell and pay off a prior VA loan. You can also hold two VA loans simultaneously in some cases.
Most lenders want 620. Some wholesale lenders we work with will go lower for strong borrowers. Rates vary by borrower profile and market conditions.
Yes, if your spouse died in service or from a service-connected disability. You'll need a COE that reflects survivor eligibility.
Typically 21 to 30 days with an experienced VA lender. The VA appraisal is the most common source of delays — order it early.
No. Veterans with a service-connected disability rating are exempt. All others pay based on down payment amount and prior VA loan use.