Question 1

Can I use a VA loan in San Juan Bautista?

Accepted Answer

Yes, if you meet VA eligibility requirements. VA loans work anywhere in San Benito County with no county-specific restrictions.

Question 2

Does FHA or VA have higher loan limits?

Accepted Answer

VA has no loan limit for borrowers with full entitlement. FHA limits are capped by county. San Benito County limits apply to FHA loans.

Question 3

Which loan is easier to qualify for?

Accepted Answer

FHA is more flexible on credit. VA eligibility depends on service history, but approved borrowers often find VA underwriting straightforward.

Question 4

Do both loans allow seller credits at closing?

Accepted Answer

Yes. Both FHA and VA allow sellers to cover buyer closing costs. VA caps seller concessions at 4% of the purchase price.

Question 5

Can I have both FHA and VA loans at once?

Accepted Answer

Generally no — you'd have two separate primary residence loans. Talk to us about your specific situation before assuming you can't.

FHA vs VA Loans in San Juan Bautista