Question 1

Do VA loans have a loan limit in Loma Linda?

Accepted Answer

Borrowers with full VA entitlement have no loan limit in San Bernardino County. Reduced entitlement may carry limits.

Question 2

Can I use a VA loan to buy a condo in Loma Linda?

Accepted Answer

Yes, but the condo complex must be VA-approved. We check the VA's approved list before you make an offer.

Question 3

How long does a VA loan take to close?

Accepted Answer

Plan for 30 to 45 days. VA appraisals add a step, but experienced lenders keep things moving.

Question 4

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time government fee, typically 1.25%–3.3% of the loan. Veterans with a service-connected disability rating are exempt.

Question 5

Will sellers in Loma Linda accept VA offers?

Accepted Answer

Most will. A strong pre-approval and realistic offer terms remove most seller hesitation around VA financing.

Question 6

Can I use my VA loan benefit more than once?

Accepted Answer

Yes. Once you pay off a prior VA loan — or in some cases even before — your entitlement can be restored.

VA Loans in Loma Linda — Zero Down for Those Who Served