Question 1

Do I need a down payment for a VA loan in Hollister?

Accepted Answer

No. Veterans with full entitlement pay zero down. You may need cash for closing costs, but those can often be negotiated with the seller.

Question 2

Can I use a VA loan to buy a fixer-upper in Hollister?

Accepted Answer

VA appraisers require the home to be move-in ready. Major repairs can stall or kill the deal — a VA rehab loan is better for true fixer-uppers.

Question 3

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee — 2.15% for first-time use — that funds the VA program. Veterans with a service-connected disability are fully exempt.

Question 4

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

Accepted Answer

Typically 30–45 days. VA appraisals can add time if the property has condition issues. Rates vary by borrower profile and market conditions.

Question 5

Can surviving spouses use VA loans in San Benito County?

Accepted Answer

Yes. Surviving spouses of veterans who died in service or from a service-connected disability are generally eligible for VA loan benefits.

Question 6

Is my VA entitlement limited in San Benito County?

Accepted Answer

Not if you have full entitlement. There's no county loan limit for veterans who haven't used their VA benefit before or have paid off a prior VA loan.

VA Loans in Hollister, CA — Zero Down for Veterans