Question 1

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

Accepted Answer

Yes. VA loans require zero down payment for eligible borrowers. You'll still need to cover closing costs unless the seller agrees to pay them.

Question 2

What is the VA loan limit in Sacramento County?

Accepted Answer

There's no VA loan limit for borrowers with full entitlement. If you've used your VA benefit before, limits may apply.

Question 3

How long does a VA loan take to close in Sacramento?

Accepted Answer

Expect 21-30 days with an experienced VA lender. Inexperienced lenders can push that past 45 days.

Question 4

Do Sacramento sellers avoid VA offers?

Accepted Answer

Most don't. VA loans are common here. A strong pre-approval and experienced broker help your offer compete.

Question 5

What homes won't pass a VA appraisal in Sacramento?

Accepted Answer

Homes with major safety issues, roof problems, or deferred maintenance often fail. Ask your broker before writing an offer on any fixer.

Question 6

Can surviving spouses use a VA loan in Sacramento?

Accepted Answer

Yes, if the spouse has not remarried and meets VA eligibility rules. A COE confirms eligibility before you shop.

VA Loans in Sacramento: Zero Down for Those Who Served