Question 1

Can I use a VA loan in Laguna Woods if I'm under 55?

Accepted Answer

Yes, the VA approves loans regardless of age. However, most Laguna Woods communities have 55+ age restrictions enforced by HOAs, not lenders.

Question 2

Do VA loans work on Laguna Woods manufactured homes?

Accepted Answer

Yes, but you need a VA-approved manufactured home lender. Fewer than 20% of VA lenders handle these properties with proper underwriting experience.

Question 3

How long does VA loan approval take in Laguna Woods?

Accepted Answer

Expect 45-60 days minimum. HOA document review adds 2-3 weeks beyond standard VA processing timelines for condos.

Question 4

What's the VA funding fee in Orange County?

Accepted Answer

First-time VA buyers pay 2.15% funding fee with zero down. Disabled veterans and surviving spouses qualify for full exemption.

Question 5

Can sellers pay my closing costs with a VA loan here?

Accepted Answer

Yes, sellers can pay up to 4% toward your closing costs. Most Laguna Woods sellers agree to 2-3% concessions in current conditions.

VA Loans in Laguna Woods: Zero Down for Military Buyers in Orange County