Question 1

Can I use a VA loan in Sand City with no down payment?

Accepted Answer

Yes. Eligible veterans pay zero down regardless of purchase price. Full entitlement means no VA loan limit caps either.

Question 2

Do VA loans take longer to close in Monterey County?

Accepted Answer

VA appraisals add a step. Plan for 30-45 days. An experienced VA lender keeps the timeline tight.

Question 3

What is the VA funding fee and who pays it?

Accepted Answer

It's a one-time fee rolled into your loan. Disabled veterans with a service-connected rating are fully exempt.

Question 4

Will sellers in Sand City accept VA offers?

Accepted Answer

Most will. The Fort Ord history means local sellers know VA loans. A clean pre-approval letter helps close any doubt.

Question 5

Can I buy a condo with a VA loan in Sand City?

Accepted Answer

Only VA-approved condo projects qualify. Check the VA's approval list before making an offer on any condo.

Question 6

What credit score do I need for a VA loan here?

Accepted Answer

Most lenders want 620. Some wholesale lenders go lower. Rates vary by borrower profile and market conditions.

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