Question 1

Can I use a VA loan to buy land with a house in Alturas?

Accepted Answer

Yes, if the home is the primary structure on the parcel. Lenders vary on acreage limits — we'll match you with one that fits your property.

Question 2

Does Alturas fall within VA loan geographic limits?

Accepted Answer

VA loans have no geographic exclusions. Alturas and Modoc County are fully eligible areas for VA financing.

Question 3

How long does a VA loan take to close in Modoc County?

Accepted Answer

Expect 45-60 days due to rural appraisal delays. Starting your Certificate of Eligibility early helps reduce that timeline.

Question 4

What is the VA funding fee and can I avoid it?

Accepted Answer

It's a one-time fee rolled into your loan — typically 1.25% to 3.3% of the loan amount. Veterans with service-connected disabilities are exempt.

Question 5

Can I buy a home with a well and septic using a VA loan in Alturas?

Accepted Answer

Yes, but VA requires water quality testing and septic inspections to pass. Budget for those costs before you're under contract.

VA Loans in Alturas, CA — Zero Down for Veterans