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Willits sits in inland Mendocino County, far from coastal price spikes. Home prices here are more accessible than in many California markets.
That's good news for VA buyers. Zero down on a reasonably priced home means strong purchasing power without draining savings.
0%
Down Payment
620 typical
Min Credit Score
None — ever
PMI Required
2.15%
Funding Fee (1st use)
Exempt
Disabled Vet Fee
VA Loans in Willits
You need a Certificate of Eligibility from the VA. Most lenders want a 620 credit score, though some go lower.
No private mortgage insurance — ever. That alone saves VA borrowers hundreds per month versus FHA or conventional with low down.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Willits.
Willits sits in inland Mendocino County, far from coastal price spikes. Home prices here are more accessible than in many California markets.
That's good news for VA buyers. Zero down on a reasonably priced home means strong purchasing power without draining savings.
You need a Certificate of Eligibility from the VA. Most lenders want a 620 credit score, though some go lower.
Most big banks offer VA loans but price them the same for every borrower. Wholesale lenders often beat retail rates significantly.
As a broker, we shop VA rates across 200+ wholesale lenders. Willits is a small market — local bank options are limited here.
VA loans have a funding fee. First-time use with zero down runs 2.15% of the loan amount. Disabled veterans are exempt.
The fee gets rolled into the loan — so you still close with no cash out of pocket. Most borrowers don't even notice it until closing disclosure.
USDA loans also offer zero down in rural areas. Willits likely qualifies for USDA eligibility — worth checking both programs.
FHA requires 3.5% down and permanent mortgage insurance. VA wins on cost for eligible borrowers almost every time.
Willits is a small, rural town. Some properties here — larger lots, well and septic, older structures — can trip VA appraisals.
VA appraisers apply Minimum Property Requirements. Peeling paint, roof issues, or non-functional utilities can cause delays. Know this before you make an offer.
Yes. VA loans have no geographic restrictions. Any eligible veteran can use VA financing in Willits.
Yes, but the property must meet VA Minimum Property Requirements. Well and septic systems get extra scrutiny.
Veterans with full entitlement have no VA loan limit. A prior VA loan that isn't paid off may reduce your entitlement.
It's a one-time fee — 2.15% for first use with zero down. It rolls into your loan balance. Disabled veterans are exempt.
Absolutely. Willits may fall in a USDA-eligible zone. We check both programs to find the lower monthly payment for you.
Most VA lenders require 620. Some wholesale lenders we work with will go lower for strong files.