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La Habra sits at the northwest edge of Orange County. It's a practical, working-class city — and a solid fit for VA buyers.
Orange County home prices are high. VA's zero-down benefit carries real weight here, where saving a 20% down payment takes years.
0%
Down Payment
620 typical
Min Credit Score
No cap (full entitlement)
Loan Limit
Never
PMI Required
2.15% (first use)
VA Funding Fee
30-45 days
Typical Close Time
VA Loans in La Habra
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders pull this directly.
Most VA lenders want a 620 credit score minimum. Debt-to-income ratios are flexible, but most approvals land under 60%.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in La Habra.
La Habra sits at the northwest edge of Orange County. It's a practical, working-class city — and a solid fit for VA buyers.
Orange County home prices are high. VA's zero-down benefit carries real weight here, where saving a 20% down payment takes years.
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders pull this directly.
Not every lender handles VA loans well. VA has specific appraisal rules and minimum property requirements that trip up inexperienced lenders.
We work with 200+ wholesale lenders at SRK CAPITAL. We know which ones close VA deals fast and which ones stall.
The VA funding fee catches buyers off guard. First-time VA users with zero down pay 2.15% of the loan amount — rolled in or paid upfront.
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. Always verify before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA requires nothing down and no mortgage insurance ever.
Conventional loans need 5-20% down and PMI until you hit 20% equity. For qualified veterans, VA almost always wins on cost.
La Habra has a mix of 1960s-era single-family homes. VA's minimum property requirements mean the home must be move-in ready — no deferred maintenance.
La Habra borders Los Angeles County. Make sure your purchase address confirms Orange County, as county lines affect some program rules.
No. VA loans allow zero down for eligible borrowers. It's the only zero-down loan with no mortgage insurance requirement.
Eligible veterans with full entitlement have no loan limit. Partial entitlement borrowers may face county-based caps.
Yes, but the condo complex must be VA-approved. Not all complexes qualify — check the VA's approved condo list first.
Typically 30-45 days. VA appraisals can add time, so lender experience with VA deals matters a lot.
No. Veterans with a service-connected disability rating may be exempt. Confirm your status before closing.
Yes. Unmarried surviving spouses of veterans who died in service or from a service-connected disability may qualify.