Question 1

Can I use a VA loan to buy in Montclair with no down payment?

Accepted Answer

Yes. Eligible veterans can purchase with zero down. There's no VA loan limit for borrowers with full entitlement.

Question 2

Does VA have a loan limit in San Bernardino County?

Accepted Answer

Borrowers with full VA entitlement have no loan limit. Reduced entitlement may apply if you have an active VA loan.

Question 3

How long does a VA loan take to close in Montclair?

Accepted Answer

Plan for 30-45 days. VA appraisals add time — start the process before you're under contract when possible.

Question 4

What is the VA funding fee and can I avoid it?

Accepted Answer

It's a one-time fee rolled into the loan. Veterans with a service-connected disability rating may be exempt.

Question 5

Can surviving spouses use a VA loan in California?

Accepted Answer

Yes, unremarried surviving spouses of veterans who died in service or from a service-connected condition may qualify.

Question 6

Do sellers in Montclair accept VA offers?

Accepted Answer

Most do. VA appraisals include minimum property requirements — some sellers flag this, but it's rarely a dealbreaker.

VA Loans in Montclair, CA — Zero Down for Veterans