Question 1

Can I use a VA loan on homes over $1 million in Agoura Hills?

Accepted Answer

Yes. VA loans have no maximum purchase price. You can finance any amount with zero down if you qualify and the property meets VA appraisal standards.

Question 2

How long does VA approval take compared to conventional?

Accepted Answer

Add 7-10 days for the VA appraisal process. Total timeline runs 30-40 days with experienced lenders who prioritize VA loans in Los Angeles County.

Question 3

Do sellers in Agoura Hills accept VA offers?

Accepted Answer

Yes, especially with strong pre-approval and quick close timeline. VA appraisals protect you from overpaying, which actually benefits both parties in negotiations.

Question 4

What's the funding fee on a $900K Agoura Hills purchase?

Accepted Answer

First-time use costs 2.15%, or $19,350 on $900K. You roll it into your loan. Disabled veterans and some surviving spouses pay zero funding fee.

Question 5

Can I waive appraisal contingency with VA financing?

Accepted Answer

Not recommended. VA appraisals protect you from overpaying and ensure the property meets safety standards. Waiving this contingency creates substantial financial risk.

VA Loans in Agoura Hills: Zero Down for Service Members in Los Angeles County