Question 1

Can I use a VA loan in La Palma with no down payment?

Accepted Answer

Yes — eligible borrowers with full entitlement can buy in La Palma with zero down. No loan limit applies if you have full entitlement.

Question 2

Does La Palma have a VA loan limit I need to follow?

Accepted Answer

If you have full VA entitlement, there's no county loan limit. Partial entitlement changes that calculation.

Question 3

What credit score do I need for a VA loan here?

Accepted Answer

VA sets no official minimum, but most lenders in our network want at least 620. Some approve lower with strong compensating factors.

Question 4

Is the VA funding fee required in California?

Accepted Answer

Yes, unless you have a service-connected disability. The fee ranges based on down payment and whether it's your first VA loan use.

Question 5

Will sellers in La Palma accept VA offers?

Accepted Answer

Most will. Some hesitate over VA appraisal requirements. A strong pre-approval and clean offer terms usually overcome that concern.

Question 6

Can I roll the VA funding fee into my loan amount?

Accepted Answer

Yes. Most borrowers finance it rather than pay upfront. It increases your loan balance slightly but keeps cash in your pocket.

VA Loans in La Palma, CA — Zero Down for Veterans