Question 1

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

Accepted Answer

Yes, if you have full VA entitlement. There's no loan limit cap, so zero-down applies even at Marin County price points.

Question 2

Does the VA funding fee apply to all borrowers?

Accepted Answer

Most borrowers pay it, but veterans with a service-connected disability rating are exempt. It can also be rolled into the loan.

Question 3

Will sellers in Novato accept VA offers?

Accepted Answer

Many will. A strong pre-approval and experienced agent help. VA offers are competitive when presented correctly.

Question 4

What credit score do I need for a VA loan in Marin County?

Accepted Answer

Most VA lenders require at least 620. Some wholesale lenders go lower. Rates vary by borrower profile and market conditions.

Question 5

Can I use a VA loan on a condo in Novato?

Accepted Answer

Only if the condo project is VA-approved. Check the VA's condo approval list before making an offer.

VA Loans in Novato: Zero Down for Veterans in Marin County