Question 1

Can I use a VA loan above $1,149,825 in San Gabriel?

Accepted Answer

Yes, but you need a down payment on the amount over the county limit. The rest still gets zero down treatment with no PMI.

Question 2

Do sellers in San Gabriel avoid VA offers?

Accepted Answer

Some do because of appraisal concerns. A strong offer with quick closing and minimal contingencies helps overcome resistance.

Question 3

What if the VA appraisal comes in low?

Accepted Answer

You can pay the difference in cash, renegotiate, or walk away. Unlike conventional loans, sellers can't force you to make up the gap.

Question 4

Can I buy a multi-unit property with a VA loan?

Accepted Answer

Yes, up to four units if you occupy one. San Gabriel has limited multi-family inventory but VA finances what's available.

Question 5

How many times can I use my VA loan benefit?

Accepted Answer

Unlimited times over your life. You restore eligibility by selling and paying off the previous VA loan or having sufficient remaining entitlement.

VA Loans in San Gabriel: Zero Down for Veterans in LA County's Heritage City