Question 1

Can I use a VA loan in San Juan Bautista with no down payment?

Accepted Answer

Yes. Eligible veterans with full entitlement can buy with zero down. No loan limit applies to full-entitlement VA borrowers in California.

Question 2

What credit score do I need for a VA loan here?

Accepted Answer

Most lenders want 620 or higher. Some wholesale lenders we work with go lower depending on compensating factors.

Question 3

Does San Juan Bautista qualify for USDA too?

Accepted Answer

It may. USDA has geographic and income eligibility rules. We can check both programs and show you which saves more.

Question 4

How long does VA loan approval take?

Accepted Answer

Typically 30 to 45 days. The VA appraisal adds time — especially in smaller markets with fewer approved appraisers.

Question 5

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

Accepted Answer

It's a one-time fee of 1.25% to 3.3% of the loan. Veterans with a service-connected disability rating are exempt from paying it.

Question 6

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 eligible. A COE is still required.

VA Loans in San Juan Bautista, CA