Question 1

Do I need a down payment for a VA loan in Ukiah?

Accepted Answer

No. VA loans require zero down payment for eligible borrowers. That's one of the biggest financial advantages this program offers.

Question 2

What credit score do I need for a VA loan?

Accepted Answer

Most VA lenders want a 620 score. Some go lower, but your rate improves significantly above 680.

Question 3

Can I use a VA loan to buy rural property in Mendocino County?

Accepted Answer

Yes, as long as the property meets VA minimum property requirements. It must be move-in ready and structurally sound.

Question 4

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee — typically 2.15% for first-time VA buyers. It rolls into your loan. Disabled veterans are fully exempt.

Question 5

How long does a VA loan take to close in Ukiah?

Accepted Answer

Rural appraisals can add time. Expect 30-45 days. Order your appraisal the day you go under contract.

Question 6

Is VA or USDA better for buying in Ukiah?

Accepted Answer

VA has no income limits and no mortgage insurance. If you're eligible, VA is usually the stronger choice over USDA.

VA Loans in Ukiah, CA — Zero Down for Veterans