Question 1

Can I buy a Temecula home over $766,550 with a VA loan?

Accepted Answer

Yes, there's no VA loan limit in California high-cost counties. You can buy any price home with zero down if you qualify income-wise and the property appraises.

Question 2

Do Temecula sellers accept VA offers?

Accepted Answer

Most do, especially on homes built after 2000. The appraisal reputation is outdated and VA offers compete well when presented properly with strong pre-approval.

Question 3

What's the VA funding fee on a zero down purchase?

Accepted Answer

First-time VA users pay 2.3% of the loan amount. Subsequent use is 3.6%. Disabled veterans and surviving spouses pay zero funding fee regardless.

Question 4

Can I use a VA loan on a Temecula condo?

Accepted Answer

Yes, if the complex is VA-approved. Many newer Temecula condos have approval already. We check the VA condo list before you make an offer.

Question 5

How long does VA loan approval take in Temecula?

Accepted Answer

Standard timeline runs 25-35 days from accepted offer to closing. The VA appraisal adds no extra time compared to conventional loans in current market conditions.

VA Loans in Temecula: Zero Down for Military Buyers in Wine Country