Question 1

Can I use a VA loan to buy in Lemon Grove with no money down?

Accepted Answer

Yes. VA loans allow zero down payment with no loan limit for eligible borrowers with full entitlement. Closing costs still apply.

Question 2

What is the VA funding fee and do I have to pay it?

Accepted Answer

First-time VA users pay 2.15% of the loan amount. Veterans with a service-connected disability rating are typically exempt.

Question 3

How long does a VA loan take to close in San Diego County?

Accepted Answer

Typically 30-45 days. VA appraisals add time if the home needs repairs. Working with an experienced VA lender speeds things up.

Question 4

Can I use my VA loan benefit more than once?

Accepted Answer

Yes. You can reuse your VA benefit after paying off a prior VA loan or selling the home. Partial entitlement situations are more complex.

Question 5

Does the seller have to pay closing costs on a VA loan?

Accepted Answer

Not required, but sellers can pay up to 4% in concessions. It's negotiable — we help structure offers to cover buyer costs.

Question 6

Are condos in Lemon Grove eligible for VA financing?

Accepted Answer

Only VA-approved condo projects qualify. We check the VA approval list before you make an offer — it saves you from a dead deal.

VA Loans in Lemon Grove — Zero Down for Those Who Served