Question 1

Do VA loans have a loan limit in Citrus Heights?

Accepted Answer

Borrowers with full VA entitlement have no loan limit in Sacramento County. Reduced entitlement borrowers may face caps.

Question 2

Can I use a VA loan to buy a condo in Citrus Heights?

Accepted Answer

Yes, but the condo complex must be VA-approved. Check the VA's approved condo list before making an offer.

Question 3

How long does a VA loan take to close?

Accepted Answer

Expect 30-45 days with a prepared lender. VA appraisals can add time if the property needs repairs.

Question 4

What is the VA funding fee and who pays it?

Accepted Answer

It's a one-time fee paid to the VA, typically 2.15% for first use with zero down. It can be rolled into your loan balance.

Question 5

Can I buy a multi-unit property with a VA loan?

Accepted Answer

Yes, up to a 4-unit property — as long as you occupy one unit as your primary residence.

Question 6

Do I need to get my Certificate of Eligibility before applying?

Accepted Answer

Not necessarily. We can often pull your COE directly through the VA portal during the loan application process.

VA Loans in Citrus Heights — Zero Down for Veterans