Question 1

Can I use a VA loan to buy in Roseville with no down payment?

Accepted Answer

Yes. Veterans with full entitlement have no loan limit and no down payment required. Roseville properties qualify as long as the home meets VA minimum property standards.

Question 2

How do I get my Certificate of Eligibility?

Accepted Answer

We pull it for you through the VA portal in most cases. It takes minutes. You need your DD-214 if you're a veteran, or a statement of service if active duty.

Question 3

Do VA loans take longer to close in Placer County?

Accepted Answer

Not significantly. VA appraisals add a step, but our process keeps timelines tight. Most purchases close in 30 days with a prepared buyer.

Question 4

What properties qualify for VA loans in Roseville?

Accepted Answer

Single-family homes, condos on the VA-approved list, and multi-unit properties up to four units qualify. The home must be your primary residence.

Question 5

Is the VA funding fee required every time I use my benefit?

Accepted Answer

Yes, unless you have a service-connected disability rating. The fee drops to 1.25% on subsequent uses with 10% or more down.

Question 6

Can I use a VA loan if I've used one before?

Accepted Answer

Yes. Once you pay off or sell the prior home, your entitlement restores. You can also have two VA loans at once in some situations.

VA Loans in Roseville, CA — Zero Down for Those Who Served