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San Juan Bautista sits in San Benito County — one of California's quieter markets. That works in a VA borrower's favor.
Prices here are more accessible than coastal metros. Zero-down VA financing stretches further when homes cost less.
620 (typical)
Min Credit Score
0%
Down Payment
Never
PMI Required
1.25% – 3.3%
Funding Fee
30 – 45 days
Typical Close Time
VA Loans in San Juan Bautista
You need a Certificate of Eligibility (COE) — proof the VA backs your loan. Most lenders want a 620 credit score minimum.
Active-duty members, veterans, and surviving spouses can qualify. Discharge status matters — honorable or general discharge works.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County — one of California's quieter markets. That works in a VA borrower's favor.
Prices here are more accessible than coastal metros. Zero-down VA financing stretches further when homes cost less.
You need a Certificate of Eligibility (COE) — proof the VA backs your loan. Most lenders want a 620 credit score minimum.
Most VA lenders approve deals in larger metros. Fewer specialize in smaller markets like San Juan Bautista.
We work with 200+ wholesale lenders. Some of them price VA loans aggressively for San Benito County borrowers.
The VA funding fee trips up a lot of borrowers. It runs 1.25% to 3.3% of the loan — rolled into your balance, not paid upfront.
Disabled veterans with a VA rating are exempt from the funding fee. That saves thousands. Ask us before you assume you owe it.
FHA requires 3.5% down and monthly mortgage insurance. VA requires neither. That gap is real money on day one.
USDA is also zero-down and works in rural areas. San Juan Bautista may qualify — but USDA has income caps that VA does not.
San Juan Bautista is a small, historic town. Property types vary — some older homes may face VA appraisal condition flags.
The VA appraiser checks for safety, soundness, and sanitation. Peeling paint, roof issues, and broken windows can stall closing.
Yes. Eligible veterans with full entitlement can buy with zero down. No loan limit applies to full-entitlement VA borrowers in California.
Most lenders want 620 or higher. Some wholesale lenders we work with go lower depending on compensating factors.
It may. USDA has geographic and income eligibility rules. We can check both programs and show you which saves more.
Typically 30 to 45 days. The VA appraisal adds time — especially in smaller markets with fewer approved appraisers.
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.
Yes. Surviving spouses of veterans who died in service or from a service-connected disability are eligible. A COE is still required.