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Hesperia's $750,000 median home price sits comfortably within VA lending limits. At 5.49%, a zero-down purchase runs $4,254 monthly for principal and interest alone. That's the real cost veterans face here before taxes and insurance.
San Bernardino County's median household income of $82,184 stretches to cover homes in this range when the down payment vanishes. VA loans erase that 20% hurdle entirely. For active duty and veterans, that changes the math.
5.49%
Interest Rate
$4,254
Monthly P&I
740
FICO Minimum
$0
Down Payment
$750,000
Loan Amount
VA Loans in Hesperia
VA loans in Hesperia require a Certificate of Eligibility and 740 FICO or higher. Zero down is the standard — you're borrowing the full purchase price.
Debt-to-income ratio typically caps at 41%, though some lenders go to 50% with strong compensating factors. Your military service replaces the down payment. The funding fee (2.15% for first-time use, zero down) wraps into the loan, not paid upfront.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Hesperia.
Hesperia's $750,000 median home price sits comfortably within VA lending limits. At 5.49%, a zero-down purchase runs $4,254 monthly for principal and interest alone. That's the real cost veterans face here before taxes and insurance.
San Bernardino County's median household income of $82,184 stretches to cover homes in this range when the down payment vanishes. VA loans erase that 20% hurdle entirely. For active duty and veterans, that changes the math.
VA loans in Hesperia require a Certificate of Eligibility and 740 FICO or higher. Zero down is the standard — you're borrowing the full purchase price.
VA lending in California is dominated by portfolio lenders and correspondents who sell to Fannie Mae and Freddie Mac. Retail banks compete hard for VA volume because the loans perform well. Brokers access the same wholesale pricing as direct lenders.
Underwriting timelines run 21–30 days for VA loans statewide. Appraisals are stricter than conventional — the VA requires the property to meet minimum standards. That rarely kills a deal in Hesperia, but it does add scrutiny.
VA loans make sense in Hesperia above $600,000 where the down payment would otherwise be $120,000+. At $750,000, skipping that down payment is worth 0.25–0.5% in rate premium. The math still wins because you're buying without depleting reserves.
Below $500,000, conventional 5% down sometimes undercuts VA on rate. But the funding fee is small at $750,000 — roughly $16,125 — and spreads over 30 years. For veterans, the zero-down certainty beats the rate gamble.
Conventional 20% down at $750,000 requires $150,000 cash upfront and no PMI. VA requires zero down and no PMI, but the funding fee adds to the loan balance.
FHA at $750,000 exceeds the county limit and requires 3.5% down plus lifetime mortgage insurance. VA's zero-down structure wins decisively here. The only tradeoff is the funding fee, which is far smaller than FHA's upfront and annual insurance combined.
Hesperia sits at the edge of the High Desert, 50 miles northeast of Los Angeles. The commute to San Bernardino or Ontario is 30–40 minutes. For military families stationed at Fort Irwin or transitioning out, the location offers affordability without isolation.
The school district here serves a growing population. New subdivisions continue to open, which means appraisals tend to reflect recent comparable sales. That stability helps VA appraisals clear without surprises.
Yes. Active duty service members, veterans, National Guard members, and surviving spouses of deceased service members qualify. You'll need a Certificate of Eligibility from the VA.
Principal and interest run $4,254 monthly on a $750,000 loan at 5.49% APR, 30-year fixed, 740 FICO, primary residence. Add property taxes, insurance, and HOA if applicable. That $4,254 is the mortgage payment alone.
No. The funding fee is a one-time charge (2.15% for first-time use, zero down) that wraps into the loan. PMI is monthly and never cancels on FHA. VA funding fee is paid once, over 30 years.
Yes. VA loans work nationwide. Your Certificate of Eligibility is valid in California. The property must be your primary residence. You'll need a California appraisal and title search, but the loan itself is portable.
Most lenders require 740 FICO or higher. Some go as low as 620 with compensating factors, but 740 is the standard floor. Your debt-to-income ratio typically can't exceed 41%, though strong reserves may push that to 50%.