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Aliso Viejo sits in South Orange County — one of California's pricier markets. VA loans remove the biggest barrier here: the down payment.
Without VA, many veterans would need $80K-$100K+ just to get in. This benefit is real money in a market like this.
0%
Down Payment
620 typical
Min Credit Score
1.25%–3.3%
VA Funding Fee
None
Mortgage Insurance
30–45 days
Typical Close Time
VA Loans in Aliso Viejo
You need a Certificate of Eligibility (COE) to use a VA loan. Active duty, veterans, and surviving spouses all qualify — requirements vary by service length.
Most lenders want a 620 credit score minimum. VA itself sets no hard floor, but your rate improves significantly above 680.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Aliso Viejo.
Aliso Viejo sits in South Orange County — one of California's pricier markets. VA loans remove the biggest barrier here: the down payment.
Without VA, many veterans would need $80K-$100K+ just to get in. This benefit is real money in a market like this.
You need a Certificate of Eligibility (COE) to use a VA loan. Active duty, veterans, and surviving spouses all qualify — requirements vary by service length.
Not every lender handles VA loans well. Some banks add overlays — extra requirements beyond VA guidelines — that reject borrowers VA would approve.
We work with 200+ wholesale lenders, including VA specialists. We skip the banks with heavy overlays and go straight to lenders who actually close these loans.
The VA funding fee catches people off guard. It ranges from 1.25% to 3.3% of the loan amount, depending on your down payment and whether it's your first VA use.
Disabled veterans with a service-connected rating are exempt from the funding fee entirely. That saves thousands — confirm your rating before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA requires zero down and charges no monthly MI — ever.
Conventional loans need 20% down to avoid PMI. For a $750K home in Aliso Viejo, that's $150K upfront. VA eliminates that entirely.
Aliso Viejo is a planned city with strong HOA presence. VA appraisers flag HOA issues — especially underfunded reserves or litigation. Know this before you make an offer.
Condos in Aliso Viejo must be on the VA-approved condo list. Not all complexes qualify. We check approval status before you waste time on a deal that won't close.
Yes, but the complex must be on the VA-approved condo list. We verify approval status before you make an offer.
No loan limit if you have full VA entitlement. Borrowers with reduced entitlement may face county-based caps.
Yes. VA limits some fees, but title, escrow, and appraisal still apply. Sellers can also pay your closing costs — negotiate it in the offer.
Typically 30–45 days. VA appraisals add time. Working with a VA-experienced lender keeps the timeline tight.
Residual income is cash left over after all monthly obligations. VA sets minimums by family size and region — California thresholds are among the highest nationally.
Yes. You can reuse VA eligibility after paying off a prior VA loan. A subsequent-use funding fee applies unless you're exempt.