Question 1

Can I use VA benefits more than once in Susanville?

Accepted Answer

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.

Question 2

Do VA loans work on properties with well and septic?

Accepted Answer

They can, but not every lender will approve them. We work with wholesale lenders experienced in Lassen County rural properties.

Question 3

Is there a VA loan limit in Lassen County?

Accepted Answer

With full VA entitlement, there is no loan limit. Partial entitlement borrowers face county-based limits.

Question 4

How long does VA loan approval take?

Accepted Answer

Typically 30-45 days. VA appraisals in rural areas can add time — ordering early is critical.

Question 5

What is the VA funding fee for first-time buyers?

Accepted Answer

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.

Question 6

Can surviving spouses use VA loans in California?

Accepted Answer

Yes. Unremarried surviving spouses of service members who died in service or from a service-connected disability are eligible.

VA Loans in Susanville: Zero Down for Those Who Served