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Adelanto sits in the High Desert, close to several military installations. That makes VA loans one of the most relevant programs in this market.
Veterans here can buy without a down payment. In a high-cost state like California, that advantage is significant.
0%
Down Payment
580–620
Typical Min Credit
None
Mortgage Insurance
~2.15% (first use)
VA Funding Fee
Fixed or ARM
Rate Type
VA Loans in Adelanto
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders also want a 620 credit score, though some go lower.
There's no mortgage insurance on VA loans. That alone saves eligible borrowers hundreds per month versus FHA.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Adelanto.
Adelanto sits in the High Desert, close to several military installations. That makes VA loans one of the most relevant programs in this market.
Veterans here can buy without a down payment. In a high-cost state like California, that advantage is significant.
You need a Certificate of Eligibility (COE) — proof the VA recognizes your service. Most lenders also want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some approve them in theory but slow-walk files or add overlays that vanilla lenders won't touch.
SRK CAPITAL works with 200+ wholesale lenders — including VA specialists who know how to close these deals cleanly and on time.
The VA funding fee trips people up. First-time users pay around 2.15% of the loan amount — roll it into the loan or pay it upfront.
Disabled veterans rated 10% or more are exempt from the funding fee. If that's you, make sure your lender knows before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA requires zero down and zero PMI — it's not close.
Conventional loans can beat VA rates if your credit is strong and you have 20% down. Most veterans buying in Adelanto don't have that sitting around.
Adelanto's home prices are lower than most of California. That means VA's no-down-payment benefit stretches further here than in coastal markets.
The VA loan limit in San Bernardino County follows the conforming loan limit. As of April 2026, eligible veterans with full entitlement have no loan limit.
Yes. VA loans allow zero down payment. You may still need cash for closing costs unless the seller covers them.
The VA sets no minimum. Most lenders in practice want 580-620. Some VA specialists go lower with compensating factors.
Veterans with full entitlement have no loan limit as of 2020 rule changes. Reduced entitlement situations are different.
No. VA loans have no PMI. You pay a one-time funding fee instead, which can be rolled into the loan.
Unremarried spouses of veterans who died in service or from a service-connected disability may be eligible. Get your COE first.