Question 1

Is there a loan limit for VA loans in Marin County?

Accepted Answer

Borrowers with full VA entitlement have no loan limit. You can finance above conforming limits in San Rafael with zero down.

Question 2

Do I need to pay the VA funding fee?

Accepted Answer

Most borrowers do, but disabled veterans are exempt. The fee can be rolled into the loan so you don't pay it at closing.

Question 3

Will San Rafael sellers accept VA offers?

Accepted Answer

Yes, with the right preparation. A strong pre-approval and an experienced broker explaining the process to sellers makes VA offers competitive.

Question 4

Can I buy a condo in San Rafael with a VA loan?

Accepted Answer

Yes, but the condo project must be VA-approved. We check approval status early so deals don't fall apart mid-escrow.

Question 5

What credit score do I need for a VA loan?

Accepted Answer

VA sets no minimum, but most lenders want 620 or higher. Some wholesale lenders we work with go lower depending on the full file.

Question 6

How long does VA loan approval take in San Rafael?

Accepted Answer

Typically 30-45 days in a normal market. VA appraisals add a step, so starting your COE and pre-approval early keeps things on track.

VA Loans in San Rafael: Zero Down in Marin County