Question 1

Can I use a VA loan in Fairfax, Marin County?

Accepted Answer

Yes, if you have qualifying military service. VA loans work in any California city, including Fairfax.

Question 2

Do VA loans have loan limits in Marin County?

Accepted Answer

Veterans with full entitlement have no VA loan limit. Reduced entitlement borrowers may face county-based caps.

Question 3

Which loan has lower mortgage insurance costs?

Accepted Answer

VA has none. FHA charges an upfront premium plus monthly mortgage insurance — often for the full loan term.

Question 4

What credit score do I need for FHA in Fairfax?

Accepted Answer

580 gets you 3.5% down. Scores between 500-579 require 10% down. Below 500, FHA won't work.

Question 5

Can I switch from FHA to VA after closing?

Accepted Answer

No, but you can refinance into a VA loan later if you gain eligibility. Talk to us before you close.

Question 6

Which loan is faster to close in Marin County?

Accepted Answer

Both have similar timelines. VA requires a VA appraisal, which can add a few days in competitive markets.

FHA vs VA Loans in Fairfax, CA: Which One Fits You?