Question 1

Can I use a VA loan to buy in Montclair?

Accepted Answer

Yes. VA loans work for primary residences across San Bernardino County. You'll need a Certificate of Eligibility and a VA-approved appraisal.

Question 2

Do VA loans have loan limits in 2026?

Accepted Answer

Veterans with full entitlement have no VA loan limit. Partial entitlement borrowers may face limits based on county conforming limits.

Question 3

Is the VA funding fee avoidable?

Accepted Answer

Yes — veterans with a service-connected disability rating are exempt from the funding fee. Ask your lender to confirm your status before closing.

Question 4

Which loan has a lower interest rate?

Accepted Answer

VA loans typically price lower than conventional. Rates vary by borrower profile and market conditions, so compare both at application.

Question 5

Can I use a conventional loan if I have VA eligibility?

Accepted Answer

Yes. Some veterans choose conventional to preserve VA entitlement for a future purchase or to buy a property VA won't cover.

Question 6

What credit score do I need for each loan?

Accepted Answer

Conventional lenders typically want 620 minimum. VA has no official minimum, but most lenders require at least 580 to 620.

Conventional vs VA Loans in Montclair, CA