Question 1

Can I buy in Redlands with zero down using a VA loan?

Accepted Answer

Yes. VA loans require no down payment with full entitlement. You buy at the purchase price with nothing down.

Question 2

Is there a VA loan limit in San Bernardino County?

Accepted Answer

With full entitlement, there is no loan limit. Reduced entitlement borrowers may face county-based caps.

Question 3

What is the VA funding fee and who pays it?

Accepted Answer

It's a one-time fee of 1.25% to 3.3% of the loan. Disabled veterans are exempt. It can be rolled into the loan.

Question 4

Do VA loans take longer to close in Redlands?

Accepted Answer

VA appraisals can add a few days. Otherwise, timeline is comparable to conventional. 30 days is achievable.

Question 5

Can a surviving spouse use a VA loan in Redlands?

Accepted Answer

Yes. Surviving spouses of veterans who died in service or from service-connected disability are eligible.

Question 6

How do VA rates compare to conventional rates right now?

Accepted Answer

As of March 2026, VA rates typically run lower than conventional. Rates vary by borrower profile and market conditions.

VA Loans in Redlands: Zero Down for Veterans