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San Anselmo sits in one of California's most expensive counties. Marin prices make zero-down financing more valuable here than almost anywhere in the state.
VA loans carry no mortgage insurance. That matters enormously when purchase prices are high and monthly costs add up fast.
0%
Down Payment
620
Typical Min Credit Score
None
Mortgage Insurance
4 (owner-occupied)
Max Units Allowed
Disabled veterans
Funding Fee Exemption
VA Loans in San Anselmo
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Active-duty service members, veterans, and surviving spouses all qualify. Service length requirements vary by when you served.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in San Anselmo.
San Anselmo sits in one of California's most expensive counties. Marin prices make zero-down financing more valuable here than almost anywhere in the state.
VA loans carry no mortgage insurance. That matters enormously when purchase prices are high and monthly costs add up fast.
You need a Certificate of Eligibility from the VA. Most lenders also want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some quote VA rates but lack the underwriting experience to close deals at Marin's price points.
We work with 200+ wholesale lenders, including VA specialists who understand high-cost California markets. That access gets deals done.
VA appraisals in high-cost areas can be tricky. Appraisers use regional comps, and Marin values sometimes surprise even experienced underwriters.
Request a Tidewater notice option upfront. It gives you a chance to provide comps before a low appraisal becomes a deal-killer.
FHA requires 3.5% down and monthly mortgage insurance. On a high Marin County purchase, that insurance adds hundreds per month.
Conventional loans need 5-20% down without PMI. VA beats both on upfront cost — often significantly. Rates vary by borrower profile and market conditions.
San Anselmo's older housing stock occasionally triggers VA property condition requirements. Homes need to meet Minimum Property Requirements to close.
Sellers in competitive Marin markets sometimes hesitate on VA offers. A strong pre-approval letter and educated listing agent can flip that perception.
Veterans with full entitlement have no VA loan limit. If you have reduced entitlement, county limits apply.
Most borrowers pay a one-time funding fee. Veterans with service-connected disabilities are exempt.
Yes, up to four units — as long as you occupy one. San Anselmo duplexes and triplexes qualify.
VA appraisers check property condition, not just value. Repairs may be required before the loan closes.
Many will. A strong pre-approval and experienced agent who can explain VA terms helps close that gap.
Yes. You can reuse your benefit after paying off a prior VA loan or in some cases simultaneously.