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Citrus Heights has a strong military community. Many buyers here qualify for VA loans and don't realize it.
Sacramento County is home to Mather and McClellan — that history means VA lending is well-established in this area.
0%
Down Payment
620
Typical Min Credit
None
Mortgage Insurance
2.15%
First-Use Funding Fee
30-45 Days
Typical Close Time
VA Loans in Citrus Heights
You need a Certificate of Eligibility and at least 90 days active duty, or 6 years in the Reserves or National Guard.
Most VA lenders want a 620 credit score. The VA itself sets no minimum — but lenders do. Debt-to-income ratio matters too.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Citrus Heights.
Citrus Heights has a strong military community. Many buyers here qualify for VA loans and don't realize it.
Sacramento County is home to Mather and McClellan — that history means VA lending is well-established in this area.
You need a Certificate of Eligibility and at least 90 days active duty, or 6 years in the Reserves or National Guard.
Not every lender handles VA loans well. Some treat them like conventional loans and slow the process down.
At SRK CAPITAL, we work with 200+ wholesale lenders — including specialists who close VA loans fast and price them competitively.
The VA funding fee trips people up. First-time use with zero down is 2.15% of the loan amount — it can be rolled into the loan.
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. Always verify before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA beats that for eligible borrowers — no contest.
Conventional loans need 5-20% down without PMI removal options until you hit 20% equity. VA skips all of that from day one.
Citrus Heights sits in Sacramento County, which has no county-level VA loan limit for borrowers with full entitlement.
Sacramento's housing stock includes many single-family homes built in the 1970s-90s. VA appraisers flag deferred maintenance — budget for that.
Borrowers with full VA entitlement have no loan limit in Sacramento County. Reduced entitlement borrowers may face caps.
Yes, but the condo complex must be VA-approved. Check the VA's approved condo list before making an offer.
Expect 30-45 days with a prepared lender. VA appraisals can add time if the property needs repairs.
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.
Yes, up to a 4-unit property — as long as you occupy one unit as your primary residence.
Not necessarily. We can often pull your COE directly through the VA portal during the loan application process.