Question 1

Can I use a VA loan on a La Mirada condo?

Accepted Answer

Yes, if the complex appears on VA's approved condo list. We check this before you write an offer to avoid appraisal delays.

Question 2

Do La Mirada sellers reject VA offers?

Accepted Answer

Rarely, if you work with a broker who educates listing agents. We close VA loans as fast as conventional with the right lender.

Question 3

What credit score do I need for VA loans here?

Accepted Answer

We have lenders approving at 580 for La Mirada purchases. Most require 600-620, but we access the flexible ones.

Question 4

Does the VA funding fee apply to refinances?

Accepted Answer

Yes, but at 2.3% for first use and 3.6% for subsequent use. Disabled veterans and surviving spouses get full waivers.

Question 5

Can I buy a fixer-upper with a VA loan?

Accepted Answer

Only if it meets VA's minimum property requirements at purchase. Major repairs need completion before closing or you'll need VA renovation loan.

VA Loans in La Mirada: Zero Down for Service Members in Southeast LA County