Question 1

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

Accepted Answer

No. VA loans allow 100% financing with zero down. You may still owe closing costs unless the seller agrees to cover them.

Question 2

Can I use a VA loan more than once?

Accepted Answer

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.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

Most lenders want 620. Some wholesale lenders we work with will go lower for strong borrowers. Rates vary by borrower profile and market conditions.

Question 4

Are surviving spouses eligible for VA loans in Kings County?

Accepted Answer

Yes, if your spouse died in service or from a service-connected disability. You'll need a COE that reflects survivor eligibility.

Question 5

How long does a VA loan take to close in Lemoore?

Accepted Answer

Typically 21 to 30 days with an experienced VA lender. The VA appraisal is the most common source of delays — order it early.

Question 6

Is the VA funding fee required for every borrower?

Accepted Answer

No. Veterans with a service-connected disability rating are exempt. All others pay based on down payment amount and prior VA loan use.

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