Question 1

Can I use a VA loan on a condo in Santa Clarita?

Accepted Answer

Yes, if the complex is VA-approved. We check approval status before you write an offer to avoid wasting time on ineligible properties.

Question 2

Do sellers in Santa Clarita accept VA offers?

Accepted Answer

Most do, especially on properties under $800,000. VA loans close reliably and the zero-down aspect makes your offer stronger than FHA with 3.5% down.

Question 3

What credit score do I need for VA loans here?

Accepted Answer

Most lenders want 620 minimum. Some VA specialists approve 580 scores if your income is strong and you have cash reserves.

Question 4

How long does VA loan approval take in Los Angeles County?

Accepted Answer

Typically 25-35 days from application to closing. VA appraisals sometimes take longer than conventional, but good lenders build that into the timeline.

Question 5

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

Accepted Answer

Standard VA loans require the home to be move-in ready. Major repairs need to be completed before closing or you'll need a VA renovation loan.

Question 6

Does the VA funding fee apply to disabled veterans?

Accepted Answer

Veterans with 10% or higher disability ratings are exempt. That waiver saves $8,400 on a $600,000 purchase for first-time VA loan users.

VA Loans in Santa Clarita: Zero Down for Veterans in Los Angeles County