Question 1

Can I buy in Anaheim with no down payment using a VA loan?

Accepted Answer

Yes. Veterans with full entitlement can purchase in Orange County with zero down. No loan limit applies with full entitlement.

Question 2

Do VA loans take longer to close in Anaheim?

Accepted Answer

With an experienced VA lender, no. The VA appraisal adds a step, but lenders who handle VA regularly keep timelines tight.

Question 3

Will Anaheim sellers accept VA offers?

Accepted Answer

Most will. Some sellers have outdated concerns about VA appraisals. A strong pre-approval and clean offer terms usually overcome that.

Question 4

What is the VA funding fee in 2026?

Accepted Answer

It ranges from 1.25% to 3.3% based on your down payment and prior VA loan use. Disabled veterans are fully exempt.

Question 5

Can I use a VA loan to buy a condo in Anaheim?

Accepted Answer

Yes, but the condo project must be VA-approved. Your broker can check VA's condo approval list before you make an offer.

Question 6

What credit score do I need for a VA loan in Orange County?

Accepted Answer

Most lenders want 620 or higher. Some VA-specialized lenders work with scores below that. Rates vary by borrower profile and market conditions.

VA Loans in Anaheim: Zero Down for Those Who Served