Question 1

Can I use a VA loan to buy in Elk Grove with no money down?

Accepted Answer

Yes. Full-entitlement VA borrowers in Elk Grove face no loan limits and no down payment requirement. You still need to qualify on income and credit.

Question 2

How do I get my Certificate of Eligibility?

Accepted Answer

You can request it through the VA website or let us pull it for you directly. Most take minutes through the automated system.

Question 3

Do VA loans take longer to close in Elk Grove?

Accepted Answer

Only if your lender lacks VA experience. We route VA deals to lenders who close them on standard timelines.

Question 4

What is the VA funding fee in 2026?

Accepted Answer

First-time VA users typically pay 2.15%. Subsequent use is 3.3%. Veterans with service-connected disabilities are often exempt. Rates vary by borrower profile and market conditions.

Question 5

Can a surviving spouse use a VA loan in Elk Grove?

Accepted Answer

Yes, if they meet VA eligibility requirements. An unremarried surviving spouse of a veteran who died in service or from a service-connected disability can qualify.

Question 6

Is a VA loan better than FHA for Elk Grove buyers?

Accepted Answer

For eligible veterans, yes — no down payment and no mortgage insurance make VA the stronger option in most cases.

VA Loans in Elk Grove — Zero Down for Those Who Served