Question 1

Can I use a VA loan to buy a condo in El Cajon?

Accepted Answer

Yes, but the condo project must be VA-approved. We can check approval status before you make an offer.

Question 2

Do I have to pay the VA funding fee?

Accepted Answer

Most borrowers do. Veterans with a service-connected disability rating are often exempt. Confirm your status before closing.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

The VA sets no official minimum, but most lenders require 620 or higher. Some lenders go lower with compensating factors.

Question 4

Can I use my VA benefit more than once?

Accepted Answer

Yes. As long as your prior loan is paid off or sold, your entitlement restores. You can use it repeatedly throughout your life.

Question 5

Is zero down payment really possible in San Diego County?

Accepted Answer

Yes, with full VA entitlement and no prior active VA loan. There is no loan amount ceiling for eligible borrowers.

Question 6

How long does VA loan approval take in El Cajon?

Accepted Answer

VA appraisals can take longer than conventional. Budget 30-45 days. Working with an experienced VA lender keeps the timeline tighter.

VA Loans in El Cajon — Zero Down for Those Who Served