Question 1

Can I use a VA loan for a condo in Pasadena?

Accepted Answer

Only if the building is VA-approved. Most Pasadena condos lack approval because HOAs won't submit the paperwork. We check the VA's approved list before you make an offer.

Question 2

What credit score do I need for a VA loan in Pasadena?

Accepted Answer

Most lenders require 580-620 minimum. Higher scores unlock better rates and larger loan amounts above the conforming limit.

Question 3

Do Pasadena sellers reject VA offers?

Accepted Answer

Some do if they don't understand the program. We include pre-approval letters explaining our 21-day close timeline to eliminate seller concerns about delays.

Question 4

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

Accepted Answer

Not if it needs major repairs. The VA requires homes to be move-in ready with working systems, safe structures, and no peeling paint.

Question 5

What's the VA funding fee in California?

Accepted Answer

2.3% for first-time zero-down buyers, 3.6% for subsequent use. Disabled veterans and surviving spouses pay nothing.

Question 6

How much home can I afford with zero down in Pasadena?

Accepted Answer

Depends on income and debts, not savings. Most buyers qualify for $600K-900K with solid income and clean credit under 41% debt ratio.

VA Loans in Pasadena: Zero Down for Military Homebuyers