Question 1

Can I use a VA loan while still on active duty at MCAGCC?

Accepted Answer

Yes. Active-duty service members with 90 days of continuous service qualify. Your BAH counts toward income.

Question 2

Does the VA funding fee apply to every purchase?

Accepted Answer

Not always. Veterans with a service-connected disability rating are fully exempt from the funding fee.

Question 3

Can I buy a home in Twentynine Palms with zero out of pocket?

Accepted Answer

You can. VA allows zero down and the seller can cover closing costs. Some lenders also offer lender credits.

Question 4

What if my credit score is below 620?

Accepted Answer

Some VA lenders go below 620. It narrows your options, but it doesn't automatically disqualify you.

Question 5

What are VA minimum property requirements?

Accepted Answer

MPRs cover safety, sanitation, and structural soundness. The VA appraiser flags issues — sellers must fix them before closing.

Question 6

Can I reuse my VA loan benefit after a PCS move?

Accepted Answer

Yes. VA entitlement can be restored after you sell or pay off a prior VA loan. You can also have two VA loans simultaneously in some cases.

VA Loans in Twentynine Palms: Zero Down for Those Who Served