Question 1

Can I use a VA loan to buy in Clearlake with no money down?

Accepted Answer

Yes. VA loans require zero down payment for eligible borrowers. You still need to cover closing costs unless the seller agrees to pay them.

Question 2

Does the VA funding fee apply to every purchase?

Accepted Answer

Most borrowers pay it. Veterans with a service-connected disability rating may be fully exempt from the funding fee.

Question 3

Will wildfire risk in Lake County affect my VA loan?

Accepted Answer

It can. VA requires adequate homeowners insurance. Some insurers have pulled out of Lake County, so shop coverage early.

Question 4

How is a VA appraisal different from a regular one?

Accepted Answer

VA appraisers check minimum property conditions. Homes with safety issues or major deferred maintenance can stall or kill your loan.

Question 5

Can surviving spouses use VA loan benefits in Clearlake?

Accepted Answer

Yes, if the veteran died in service or from a service-connected condition. The surviving spouse must meet VA eligibility rules.

Question 6

Is a VA loan better than USDA for Clearlake buyers?

Accepted Answer

Often yes. VA has no income limits and no monthly mortgage insurance. USDA may cap your income and requires rural zone eligibility.

VA Loans in Clearlake, CA — Zero Down for Veterans