Question 1

Can I use a VA loan to buy in Carmel-By-The-Sea?

Accepted Answer

Yes, if you have full entitlement there is no VA loan limit. You can buy at Carmel price points with zero down.

Question 2

Do VA loans work for high-priced coastal properties?

Accepted Answer

Yes. VA jumbo loans are available for veterans buying above conforming limits. Terms vary by lender and borrower profile.

Question 3

Will sellers in Carmel accept a VA offer?

Accepted Answer

Some sellers hesitate over VA appraisal rules. A clean pre-approval and experienced broker help close that gap.

Question 4

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid to the VA, typically rolled into the loan. Disabled veterans are often exempt.

Question 5

How long does VA loan approval take in Monterey County?

Accepted Answer

Plan for 30-45 days. The VA appraisal is often the longest step — order it early.

Question 6

Can surviving spouses use a VA loan in California?

Accepted Answer

Yes. Eligible surviving spouses qualify for VA loans on the same terms as veterans. Rates vary by borrower profile and market conditions.

VA Loans in Carmel-By-The-Sea: Zero Down for Veterans