Question 1

Can I use a VA loan to buy in Marina with no money down?

Accepted Answer

Yes, if you have full VA entitlement. No down payment is required. You still pay closing costs unless you negotiate seller concessions.

Question 2

Do VA loans work on older Fort Ord-area homes?

Accepted Answer

They can, but the VA appraisal will flag any safety or habitability issues. Sellers may need to make repairs before closing.

Question 3

What's the VA funding fee in 2026?

Accepted Answer

First-time users with zero down pay 2.15%. Disabled veterans with a service-connected rating are fully exempt from the fee.

Question 4

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

Accepted Answer

No limit if you have full entitlement. Borrowers with remaining entitlement may face county-based caps.

Question 5

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

Accepted Answer

Typically 30-45 days. VA appraisals add time. Working with a VA-experienced lender keeps the process on track.

Question 6

Can surviving spouses use a VA loan in Marina?

Accepted Answer

Yes, eligible surviving spouses qualify. You'll need a COE showing surviving spouse eligibility before applying.

VA Loans in Marina, CA — Zero Down for Those Who Served