Loading
Loading
Roseville attracts a large veteran population. Its proximity to Beale Air Force Base makes VA loans one of the most-used purchase tools in Placer County.
Placer County home prices run high. Zero down payment matters here more than in cheaper markets — it keeps veterans competitive without draining savings.
0%
Down Payment
620 (typical)
Min Credit Score
None
Mortgage Insurance
2.15%
Funding Fee (1st use)
None (full entitlement)
Loan Limit
VA Loans in Roseville
You need a Certificate of Eligibility (COE) to use a VA loan. Active-duty members, veterans, and surviving spouses can qualify — service length requirements vary by era.
Most lenders want a 620 credit score minimum. VA itself sets no score floor, but our wholesale lenders do. Debt-to-income ratios up to 41% are standard, though some lenders go higher.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville attracts a large veteran population. Its proximity to Beale Air Force Base makes VA loans one of the most-used purchase tools in Placer County.
Placer County home prices run high. Zero down payment matters here more than in cheaper markets — it keeps veterans competitive without draining savings.
You need a Certificate of Eligibility (COE) to use a VA loan. Active-duty members, veterans, and surviving spouses can qualify — service length requirements vary by era.
Not every lender prices VA loans well. Big retail banks often pad their margins on VA products. Wholesale lenders we access compete hard on VA — the difference can be significant.
VA loans require lenders to be VA-approved. All lenders in our network carry that approval. Rates vary by borrower profile and market conditions.
VA loans come with a funding fee — typically 2.15% for first-time use with zero down. Disabled veterans are exempt. Roll it into the loan or pay upfront, your call.
Sellers sometimes hesitate on VA offers. That stigma is outdated. VA appraisals are stricter, but deals close. A strong pre-approval letter from us helps.
FHA requires 3.5% down and charges mortgage insurance monthly — forever if your term is 30 years with low equity. VA has no monthly mortgage insurance at all.
Conventional loans need 20% down to avoid PMI. VA gives you zero down with no PMI. For Roseville price points, that gap in out-of-pocket costs is significant.
Roseville is one of the fastest-growing cities in the Sacramento region. Inventory tightens in spring. Getting your COE and pre-approval done early puts you ahead.
Placer County has no county-level down payment assistance stacked for VA — you don't need it. But CalVet loans are an alternative worth comparing if you want a fixed state rate.
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.
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.
Not significantly. VA appraisals add a step, but our process keeps timelines tight. Most purchases close in 30 days with a prepared buyer.
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.
Yes, unless you have a service-connected disability rating. The fee drops to 1.25% on subsequent uses with 10% or more down.
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.