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Sand City sits in the heart of Monterey County, close to Fort Ord's former grounds. Veterans are a real part of this community.
The Monterey Peninsula is not cheap real estate. VA's zero-down benefit matters more here than in most California markets.
0%
Down Payment
620
Typical Min Credit
None
Mortgage Insurance
2.15%
VA Funding Fee (1st Use)
30–45 Days
Est. Close Time
VA Loans in Sand City
You need a Certificate of Eligibility and at least 90 days active duty, or 181 days peacetime service. Surviving spouses may also qualify.
Most VA lenders want a 620 credit score. Some go lower, but expect stricter scrutiny below that threshold.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Sand City.
Sand City sits in the heart of Monterey County, close to Fort Ord's former grounds. Veterans are a real part of this community.
The Monterey Peninsula is not cheap real estate. VA's zero-down benefit matters more here than in most California markets.
You need a Certificate of Eligibility and at least 90 days active duty, or 181 days peacetime service. Surviving spouses may also qualify.
Not every lender prices VA loans the same. Big banks often add overlays — extra requirements beyond VA minimums.
We work with 200+ wholesale lenders, including those who specialize in VA. That means more options and sharper rates for veterans.
VA appraisals follow strict Minimum Property Requirements. Fixer-uppers often fail. Know this before you write an offer.
The VA funding fee catches buyers off guard. First-time use with zero down is 2.15% of the loan amount. Disabled veterans are exempt.
FHA requires 3.5% down and monthly mortgage insurance. VA requires neither. For eligible borrowers, VA wins almost every time.
Conventional loans need 20% down to avoid PMI. VA gets you there at zero down with no PMI — ever.
Monterey County home prices run high. VA's 2026 conforming loan limit covers a solid range, but some Sand City homes may push into jumbo territory.
The Fort Ord area legacy means many local sellers have dealt with VA buyers before. That familiarity helps — less hesitation accepting VA offers.
Yes. Eligible veterans pay zero down regardless of purchase price. Full entitlement means no VA loan limit caps either.
VA appraisals add a step. Plan for 30-45 days. An experienced VA lender keeps the timeline tight.
It's a one-time fee rolled into your loan. Disabled veterans with a service-connected rating are fully exempt.
Most will. The Fort Ord history means local sellers know VA loans. A clean pre-approval letter helps close any doubt.
Only VA-approved condo projects qualify. Check the VA's approval list before making an offer on any condo.
Most lenders want 620. Some wholesale lenders go lower. Rates vary by borrower profile and market conditions.