Question 1

Can I use a VA loan to buy in Adelanto with no money down?

Accepted Answer

Yes. VA loans allow zero down payment. You may still need cash for closing costs unless the seller covers them.

Question 2

What credit score do I need for a VA loan?

Accepted Answer

The VA sets no minimum. Most lenders in practice want 580-620. Some VA specialists go lower with compensating factors.

Question 3

Is there a loan limit for VA loans in San Bernardino County?

Accepted Answer

Veterans with full entitlement have no loan limit as of 2020 rule changes. Reduced entitlement situations are different.

Question 4

Do I pay mortgage insurance on a VA loan?

Accepted Answer

No. VA loans have no PMI. You pay a one-time funding fee instead, which can be rolled into the loan.

Question 5

Who qualifies as a surviving spouse for VA loan benefits?

Accepted Answer

Unremarried spouses of veterans who died in service or from a service-connected disability may be eligible. Get your COE first.

VA Loans in Adelanto: Zero Down for Veterans