Question 1

Can I use a VA loan to buy a vacation cabin in Big Bear?

Accepted Answer

No. VA loans require the property to be your primary residence. A vacation cabin doesn't qualify unless you live there full-time.

Question 2

Is there a VA loan limit in San Bernardino County?

Accepted Answer

Not if you have full VA entitlement. No loan limit applies. If you have reduced entitlement, limits may factor in.

Question 3

Why might a VA appraisal be harder in Big Bear?

Accepted Answer

Fewer comparable sales make it harder to support the purchase price. Appraisers also apply stricter property condition standards in mountain areas.

Question 4

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid to the VA, typically 2.15% for first-time use with zero down. Disabled veterans are fully exempt.

Question 5

Can I rent out my Big Bear home if I used a VA loan?

Accepted Answer

Only after you've fulfilled the occupancy requirement. Renting it short-term before that can violate your loan terms.

VA Loans in Big Bear Lake, CA — Zero Down for Veterans