Question 1

Can I use a VA loan on a manufactured home in Barstow?

Accepted Answer

Yes, if the home was built after June 1976 and sits on a permanent foundation you own. The VA requires the chassis removal and home classification as real property.

Question 2

Do sellers in Barstow reject VA loan offers?

Accepted Answer

Less common here than coastal markets due to military presence. Sellers know VA appraisals can require repairs, but most work with buyers given the local buyer pool.

Question 3

How does the VA funding fee affect my monthly payment?

Accepted Answer

On a $300K purchase, the 2.3% fee adds $6,900 to your loan balance. At current rates, expect about $40-45 added to your monthly principal and interest payment.

Question 4

Can I use my VA loan eligibility more than once?

Accepted Answer

Yes, your entitlement restores after you sell and pay off the previous VA loan. You can also have two VA loans simultaneously if you have remaining entitlement.

Question 5

What if the Barstow home I want needs repairs?

Accepted Answer

The VA requires homes to be move-in ready. Sellers must complete repairs before closing, or you negotiate credits to address items post-close on non-safety issues.

VA Loans in Barstow: Zero Down for Active Military & Veterans