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Susanville sits in Lassen County, a rural high-desert community with a strong military and corrections workforce presence.
VA loans are a natural fit here. Zero down payment matters most in markets where buyers are building wealth, not sitting on equity.
0%
Down Payment
620 (typical)
Min Credit Score
None
Monthly PMI
See current rates
Rates Vary By Profile
30-45 days
Typical Close Time
VA Loans in Susanville
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders also want a 620 credit score minimum.
VA has no official debt-to-income limit, but most lenders cap it at 41%. Residual income rules matter more than DTI alone.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Susanville.
Susanville sits in Lassen County, a rural high-desert community with a strong military and corrections workforce presence.
VA loans are a natural fit here. Zero down payment matters most in markets where buyers are building wealth, not sitting on equity.
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders also want a 620 credit score minimum.
Big banks offer VA loans, but their rates and overlays vary widely. Wholesale lenders we work with often beat retail pricing significantly.
Rural properties near Susanville can trigger extra scrutiny. Some lenders won't touch properties with well and septic — we know which ones will.
The VA funding fee trips up a lot of buyers. If you have a service-connected disability rating, you may be exempt — that saves thousands.
First use of VA benefits carries a lower funding fee than subsequent use. Know where you stand before you close.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA charges no monthly PMI at all.
USDA also offers zero down in rural areas like Susanville — but income limits apply. VA has no income cap.
Lassen County is USDA-eligible, giving VA-eligible buyers two zero-down options. We run both scenarios to find the better rate.
Properties in Susanville often include acreage, outbuildings, or mixed-use land. VA appraisers flag these carefully — lender selection matters.
Yes. If you've paid off your prior VA loan or sold the home, your entitlement typically restores. A higher funding fee applies on subsequent use.
They can, but not every lender will approve them. We work with wholesale lenders experienced in Lassen County rural properties.
With full VA entitlement, there is no loan limit. Partial entitlement borrowers face county-based limits.
Typically 30-45 days. VA appraisals in rural areas can add time — ordering early is critical.
As of April 2026, the funding fee for first use with zero down is 2.15% of the loan amount. Disability-exempt borrowers pay nothing.
Yes. Unremarried surviving spouses of service members who died in service or from a service-connected disability are eligible.