Question 1

Is there a VA loan limit in Yorba Linda?

Accepted Answer

Veterans with full entitlement have no loan limit. Partial entitlement holders may face limits — we review your COE to know exactly where you stand.

Question 2

Can I use a VA loan for a condo in Yorba Linda?

Accepted Answer

Yes, but the condo complex must be VA-approved. We check approval status before you write an offer.

Question 3

How long does a VA loan take to close?

Accepted Answer

Typically 30-45 days. The VA appraisal is the most common delay — experienced lenders order it immediately after contract.

Question 4

Do I pay closing costs with a VA loan?

Accepted Answer

Some costs are standard, but sellers can pay all of them. We structure your offer to request seller concessions whenever possible.

Question 5

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

Accepted Answer

It's a one-time fee — typically 2.15% for first-time use — rolled into the loan. Disabled veterans with a service-connected rating are fully exempt.

Question 6

Can I refinance my current mortgage with a VA loan?

Accepted Answer

Yes. The VA IRRRL lets you refinance an existing VA loan fast with minimal paperwork. Cash-out refinances are also available up to 90% of home value.

VA Loans in Yorba Linda: Zero Down for Veterans