Question 1

Can I use a VA loan on a property with a well and septic in Mariposa?

Accepted Answer

Yes. VA requires a water quality test and septic inspection. Pass those and the loan moves forward.

Question 2

Is there a loan limit on VA loans in Mariposa County?

Accepted Answer

No limit if you have full VA entitlement. Partial entitlement borrowers face county-based limits.

Question 3

How long does a VA appraisal take in Mariposa?

Accepted Answer

Rural counties run slower. Budget two to three weeks. Order it the day you go under contract.

Question 4

Can I buy land or a fixer-upper with a VA loan?

Accepted Answer

VA requires the home to be livable at closing. Raw land alone does not qualify. A VA rehab loan covers some repairs.

Question 5

Do I need a down payment if the purchase price exceeds the appraisal?

Accepted Answer

Yes. VA only guarantees up to appraised value. You pay the difference out of pocket or renegotiate.

Question 6

Can a surviving spouse use a VA loan in Mariposa?

Accepted Answer

Yes, if the veteran died in service or from a service-connected disability. Get your Certificate of Eligibility first.

VA Loans in Mariposa, CA — Zero Down for Veterans