Question 1

Can I use a VA loan on a fixer-upper in Duarte?

Accepted Answer

Not if repairs affect safety or livability. The VA appraisal requires functional systems and no peeling paint or safety hazards before closing.

Question 2

What's the maximum VA loan amount in Duarte?

Accepted Answer

Veterans with full entitlement can borrow up to $1,149,825 with zero down in LA County. Above that requires a down payment on the difference.

Question 3

Do Duarte sellers accept VA offers?

Accepted Answer

Yes, especially when structured competitively. We use appraisal gap coverage and strong preapprovals to match conventional buyer appeal.

Question 4

How long does VA loan approval take in Duarte?

Accepted Answer

Expect 30-45 days from accepted offer to closing. VA appraisals add time compared to conventional loans due to property condition reviews.

Question 5

Can I waive the VA appraisal contingency?

Accepted Answer

No. VA loans require the appraisal for loan approval. You can waive other contingencies but not the VA appraisal itself.

Question 6

Does the VA funding fee apply to disabled veterans?

Accepted Answer

Veterans with any VA disability rating pay zero funding fee. This saves $15,000+ on typical Duarte purchase prices.

VA Loans in Duarte: Zero Down for Veterans in the San Gabriel Valley