Question 1

Can I use a VA loan to buy in Ross, CA?

Accepted Answer

Yes. With full VA entitlement, there's no loan limit. Ross price points are not a barrier for eligible veterans.

Question 2

Does a VA loan hurt my offer in a competitive market?

Accepted Answer

Some sellers still hesitate, but VA offers close reliably. A strong pre-approval letter and experienced broker reduce that friction significantly.

Question 3

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

Accepted Answer

Lenders require 620 minimum. At Marin price levels, you'll want 740+ to qualify for the most competitive rate tiers.

Question 4

Is the VA funding fee worth it compared to PMI?

Accepted Answer

Usually yes. The funding fee is one-time and can be financed into the loan. PMI is monthly and can run for years on a high-balance loan.

Question 5

Can I get a high-balance conventional loan in Marin County?

Accepted Answer

Yes. Marin County qualifies for high-balance conforming loan limits. This gives conventional borrowers more room before jumping to jumbo.

Question 6

Which loan closes faster in Ross?

Accepted Answer

Conventional loans often close faster. VA appraisals have additional requirements that can add time, though a prepared file minimizes delays.

Conventional vs VA Loans in Ross, Marin County