Question 1

Can I use a VA loan more than once in Palmdale?

Accepted Answer

Yes. Veterans regain full eligibility after selling a home purchased with a VA loan. You can also buy another property with remaining entitlement while still owning a VA-financed home.

Question 2

Do VA loans work for manufactured homes in Palmdale?

Accepted Answer

Manufactured homes qualify if permanently affixed to land you own with a permanent foundation. The home must be HUD-certified and built after June 1976 to meet VA requirements.

Question 3

What's the VA funding fee in Los Angeles County?

Accepted Answer

First-time VA users pay 2.3% with zero down or 1.65% with 5% down. Subsequent use increases the fee to 3.6% with zero down. Disabled veterans and surviving spouses pay no funding fee.

Question 4

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

Accepted Answer

The property must meet Minimum Property Requirements at closing. The VA renovation loan allows financing repairs into the mortgage for homes needing work, but standard VA loans require move-in condition.

Question 5

How long does VA loan approval take in Palmdale?

Accepted Answer

Most lenders close VA loans in 30-45 days. Getting your Certificate of Eligibility before house hunting speeds the process. Some lenders offer expedited service for active-duty members with PCS orders.

VA Loans in Palmdale: Zero Down Home Financing for Service Members