Question 1

Do VA loans work for Napa Valley's high home prices?

Accepted Answer

Yes. Veterans with full entitlement have no VA loan limit. You can finance a St. Helena home without a down payment regardless of price.

Question 2

What is the VA funding fee in California?

Accepted Answer

It ranges based on down payment amount and whether it's your first VA loan use. You can roll it into the loan balance.

Question 3

Will St. Helena sellers accept a VA offer?

Accepted Answer

Many will with the right preparation. A strong pre-approval and experienced VA lender signal you're a serious buyer.

Question 4

How long does VA loan approval take?

Accepted Answer

Typically 30-45 days. VA appraisals add time — budget for it when making offers in St. Helena.

Question 5

Can I use a VA loan to buy a winery property in St. Helena?

Accepted Answer

Only the residential portion qualifies. VA loans are for primary residences, not commercial or agricultural use.

VA Loans in St. Helena: Zero Down in Napa Wine Country