Question 1

Do I need a down payment for a VA loan in Westminster?

Accepted Answer

No. VA loans require zero down payment for eligible borrowers. This is one of the few true zero-down programs available in high-cost Orange County.

Question 2

Can I use a VA loan to buy a condo in Westminster?

Accepted Answer

Yes, but the condo complex must be on the VA-approved list. Check approval status before making an offer — not all Westminster condos qualify.

Question 3

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

Accepted Answer

It's a one-time fee rolled into your loan. Veterans with a service-connected disability rating are fully exempt from paying it.

Question 4

How does a VA loan compare to FHA in Orange County?

Accepted Answer

VA wins on cost for most veterans. No PMI and no down payment required — FHA charges both. Rates vary by borrower profile and market conditions.

Question 5

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

Accepted Answer

Typically 21 to 30 days with an experienced lender. VA appraisals can add time if the property needs repairs to meet MPR standards.

Question 6

Can a surviving spouse use a VA loan in Westminster?

Accepted Answer

Yes. Surviving spouses of veterans who died in service or from a service-connected disability are eligible. They must obtain a COE to confirm eligibility.

VA Loans in Westminster, CA — Zero Down for Veterans