Question 1

Can I use a VA loan in St. Helena?

Accepted Answer

Yes, if you have qualifying military service and a Certificate of Eligibility. VA loans work in any California city, including high-cost Napa County.

Question 2

Does FHA have loan limits in Napa County?

Accepted Answer

Yes. FHA sets county-level loan limits. Napa County is a high-cost area, so limits are higher than the national baseline — but St. Helena prices can still exceed them.

Question 3

Which loan has a lower interest rate, FHA or VA?

Accepted Answer

VA rates are typically lower. That said, rates vary by borrower profile and market conditions — your credit score and lender choice both matter.

Question 4

Do VA loans require a home inspection?

Accepted Answer

VA requires an appraisal by a VA-approved appraiser. That appraisal includes minimum property requirements the home must meet to qualify.

Question 5

What credit score do I need for each loan?

Accepted Answer

FHA requires 580 for 3.5% down. VA has no official minimum, but most lenders set a floor around 620. We work with lenders across a wide credit range.

Question 6

Can I use both FHA and VA if I qualify for both?

Accepted Answer

You can only use one loan per purchase. If you have VA eligibility, it almost always produces better terms than FHA.

FHA vs VA Loans in St. Helena, CA