Question 1

Can I use a VA loan to buy in Larkspur with no down payment?

Accepted Answer

Yes. Veterans with full entitlement have no loan limit and no down payment requirement. Larkspur prices are high — this benefit matters.

Question 2

How does the VA funding fee work?

Accepted Answer

It's a one-time fee rolled into your loan balance. Disabled veterans are exempt. Most first-time VA users pay 2.15% of the loan amount.

Question 3

Will older Larkspur homes pass VA appraisal?

Accepted Answer

Many do. The VA requires the home to be safe, sound, and sanitary. A pre-offer inspection flags issues before the VA appraiser does.

Question 4

How do I get my Certificate of Eligibility?

Accepted Answer

We pull it directly through VA systems in most cases. Have your DD-214 ready if you're a veteran — it speeds things up.

Question 5

Are VA rates lower than conventional in Marin County?

Accepted Answer

Often yes. VA loans carry a government guarantee, so lenders price them competitively. Rates vary by borrower profile and market conditions.

Question 6

Can surviving spouses use VA loans in Larkspur?

Accepted Answer

Yes, if the veteran died in service or from a service-connected disability. Eligibility rules apply — we verify your status before you apply.

VA Loans in Larkspur, CA — Zero Down in Marin County