Question 1

Can I use a VA loan in Barstow if I'm stationed at Fort Irwin?

Accepted Answer

Yes. Active-duty service members typically qualify. Get your Certificate of Eligibility first — it confirms your benefit.

Question 2

Which loan has lower monthly payments, FHA or VA?

Accepted Answer

VA usually wins. No monthly mortgage insurance premium means a lower payment for the same loan amount. Rates vary by borrower profile and market conditions.

Question 3

Does FHA or VA have a higher credit score requirement?

Accepted Answer

VA has no official minimum, but most lenders want at least 620. FHA allows 580 with 3.5% down.

Question 4

Can I use both FHA and VA loans at the same time?

Accepted Answer

No. You choose one per purchase. Most eligible veterans go VA — the numbers almost always favor it.

Question 5

What is the VA funding fee and how does it compare to FHA's upfront MIP?

Accepted Answer

Both are one-time upfront costs rolled into the loan. FHA charges 1.75% of the loan. VA fees vary by service and usage history.

Question 6

Do FHA and VA loans have the same loan limits in San Bernardino County?

Accepted Answer

VA loans have no limit if you have full entitlement. FHA limits are set by county and updated annually.

FHA vs VA Loans in Barstow, CA