Question 1

Can I use a VA loan to buy a home in San Juan Capistrano with no money down?

Accepted Answer

Yes, with full entitlement there is no loan limit and no down payment required. Orange County's high prices are not a barrier for eligible borrowers.

Question 2

What is the VA funding fee and can I avoid it?

Accepted Answer

The funding fee is a one-time cost rolled into the loan. Veterans with a service-connected disability rating are exempt.

Question 3

Will a seller in San Juan Capistrano accept a VA offer?

Accepted Answer

Many will. The VA appraisal process adds a step, but a strong pre-approval letter closes most seller objections quickly.

Question 4

Does VA cover condos in San Juan Capistrano?

Accepted Answer

Only VA-approved condo projects qualify. We check the VA approval list before you make an offer — not after.

Question 5

How long does a VA loan take to close in Orange County?

Accepted Answer

Typically 30-45 days. VA appraisals can add time if the property needs repairs flagged by the appraiser.

VA Loans in San Juan Capistrano — Zero Down, Full Value