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Marin County is one of the most expensive housing markets in California. VA loans matter here precisely because they eliminate the down payment barrier.
Larkspur sits in a competitive pocket of Marin. Veterans using VA financing can move fast without saving hundreds of thousands first.
0%
Down Payment
620 typical
Min Credit Score
None (full entitlement)
Loan Limit
None — ever
Mortgage Insurance
Rolls into loan
VA Funding Fee
VA Loans in Larkspur
You need a Certificate of Eligibility (COE) from the VA. Most lenders want a 620 credit score, though some go lower.
Active-duty members, veterans, and surviving spouses all qualify. Service length requirements vary by when and how you served.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Larkspur.
Marin County is one of the most expensive housing markets in California. VA loans matter here precisely because they eliminate the down payment barrier.
Larkspur sits in a competitive pocket of Marin. Veterans using VA financing can move fast without saving hundreds of thousands first.
You need a Certificate of Eligibility (COE) from the VA. Most lenders want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some know the guidelines inside out. Others slow the process down with unnecessary conditions.
We work with 200+ wholesale lenders, including ones who specialize in VA. That means faster closings and fewer surprises in Marin's competitive market.
VA appraisals can be strict. Properties must meet Minimum Property Requirements (MPR). Older Larkspur homes sometimes flag issues retail buyers never see.
Get your COE and pre-approval done before you look at homes. Sellers in Marin move quickly. Being VA-ready puts you in the game.
FHA requires 3.5% down and charges mortgage insurance for life. VA requires nothing down and no mortgage insurance — ever.
Jumbo loans dominate Marin's upper price tiers. But VA has no conforming loan cap for borrowers with full entitlement. That's a real advantage here.
Larkspur has older housing stock. Some listings are well-maintained. Others will hit VA MPR snags around roofing, plumbing, or deferred maintenance.
Marin's high prices make the VA funding fee worth every penny. That fee — rolled into the loan — is far cheaper than a Marin-sized down payment.
Yes. Veterans with full entitlement have no loan limit and no down payment requirement. Larkspur prices are high — this benefit matters.
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.
Many do. The VA requires the home to be safe, sound, and sanitary. A pre-offer inspection flags issues before the VA appraiser does.
We pull it directly through VA systems in most cases. Have your DD-214 ready if you're a veteran — it speeds things up.
Often yes. VA loans carry a government guarantee, so lenders price them competitively. Rates vary by borrower profile and market conditions.
Yes, if the veteran died in service or from a service-connected disability. Eligibility rules apply — we verify your status before you apply.