Question 1

Can I use a VA loan on a Montebello condo?

Accepted Answer

Yes, if the complex is VA-approved. Check the VA's condo database or ask us to verify before writing an offer on any unit.

Question 2

What's the maximum VA loan amount in Montebello?

Accepted Answer

The 2025 LA County limit is $1,149,825 with zero down. Above that requires a down payment or jumbo structuring for the excess amount.

Question 3

Do Montebello sellers accept VA offers?

Accepted Answer

Most do, especially with strong pre-approval. We position VA buyers as serious and qualified, which overcomes outdated seller concerns about the program.

Question 4

How long does VA approval take here?

Accepted Answer

Appraisals take 10-14 days in LA County. Total closing timeline runs 30-40 days with responsive borrowers and clean title work.

Question 5

Can I avoid the VA funding fee?

Accepted Answer

Yes, if you're receiving VA disability compensation. Otherwise the 2.15% fee applies but can be financed into your loan amount.

Question 6

What credit score do I actually need?

Accepted Answer

Most lenders want 580 minimum, but 620+ gets better rate pricing and fewer overlays. We access lenders who work below 600 with compensating factors.

VA Loans in Montebello: Zero Down for Service Members in LA County