Question 1

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

Accepted Answer

Yes, if you have full VA entitlement. No down payment is required regardless of purchase price in San Bernardino County.

Question 2

Do sellers in Chino Hills accept VA offers?

Accepted Answer

Most do. A strong pre-approval and clean offer terms matter more than loan type. VA stigma has faded significantly.

Question 3

What is the VA funding fee?

Accepted Answer

It's 2.15% of the loan for first use with no down payment. It can be rolled into the loan — no cash out of pocket required.

Question 4

Can I buy a condo in Chino Hills with a VA loan?

Accepted Answer

Yes, but the condo project must be VA-approved. We check approval status before you make an offer.

Question 5

What credit score do I need for a VA loan in Chino Hills?

Accepted Answer

VA sets no minimum, but most lenders require 620. Some wholesale lenders we work with will go lower with compensating factors.

Question 6

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

Accepted Answer

No limit applies if you have full VA entitlement. Reduced entitlement from a prior VA loan may impose a county-based ceiling.

VA Loans in Chino Hills — Zero Down for Those Who Served