Question 1

Can I use a VA loan on a La Quinta golf course home?

Accepted Answer

Yes, as long as it's your primary residence. VA doesn't restrict property type beyond the primary residence requirement and basic habitability standards.

Question 2

What's the maximum VA loan amount in Riverside County?

Accepted Answer

The 2024 conforming limit is $766,550 for zero-down purchases. Above that, you'll need a down payment to cover the difference.

Question 3

Do VA loans take longer to close than conventional?

Accepted Answer

Not with experienced lenders. We close VA loans in 21-30 days routinely. Delays come from appraisal backlogs, not the VA program itself.

Question 4

Can I waive inspection on a VA loan?

Accepted Answer

You can waive your personal inspection. The VA appraisal inspection is mandatory and protects you from buying a property with major defects.

Question 5

Does the VA funding fee apply to refinances?

Accepted Answer

Yes, but it's lower at 0.5% for most rate-and-term refinances. Cash-out refinances carry a 2.15% funding fee for first-time use.

VA Loans in La Quinta: Zero Down in the Desert