Question 1

Can I use a VA loan to buy in Fullerton with no money down?

Accepted Answer

Yes, with full entitlement. No county cap applies. You still pay closing costs unless the seller covers them.

Question 2

Does the VA loan limit apply in Orange County?

Accepted Answer

Not if you have full entitlement. The 2020 Blue Water Navy Act removed county loan limits for most VA borrowers.

Question 3

How long does a VA loan take to close in Fullerton?

Accepted Answer

Typically 21–30 days with an experienced lender. Appraisal turnaround is the most common delay — plan for it.

Question 4

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee paid to VA, not a lender charge. Disabled veterans with a service-connected rating are exempt.

Question 5

Can I buy a condo in Fullerton with a VA loan?

Accepted Answer

Only if the condo project is VA-approved. Check the VA approval list before making an offer — many OC complexes qualify.

Question 6

Will Fullerton sellers accept a VA offer?

Accepted Answer

Most will. VA appraisals have minimum property requirements. Some sellers worry about that — a strong agent helps overcome it.

VA Loans in Fullerton, CA — Zero Down for Veterans