Question 1

Can I use a VA loan for a duplex in Duarte?

Accepted Answer

Yes, if you occupy one unit as your primary residence. VA loans finance 2-4 unit properties with zero down as long as you live in one unit for at least a year.

Question 2

Does the VA funding fee ever make conventional cheaper?

Accepted Answer

Sometimes. If you have 10%+ down and excellent credit, conventional rates may be low enough to offset the funding fee over a 7-10 year hold period.

Question 3

What credit score do I really need for each loan?

Accepted Answer

Most lenders want 620+ for both programs. VA guidelines technically allow 580, but few lenders go that low in practice.

Question 4

Will sellers in Duarte reject VA offers?

Accepted Answer

Some worry about appraisal repairs and longer timelines. A strong offer with quick close dates and minimal contingencies usually overcomes VA hesitation.

Question 5

Can I avoid the VA funding fee entirely?

Accepted Answer

Yes, if you receive VA disability compensation or are a surviving spouse. Otherwise, the fee applies even with money down — though it drops to 1.65% with 5%+ down.

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