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National City sits minutes from Naval Base San Diego. That makes it one of the most VA-active markets in San Diego County.
VA loans are built for this community. Zero down, no PMI, and competitive rates make them hard to beat here.
0%
Down Payment
620
Typical Min Credit
No cap
Loan Limit (Full Entitlement)
2.15%
Funding Fee (First Use)
None
Mortgage Insurance
VA Loans in National City
You need a Certificate of Eligibility (COE) to use a VA loan. Veterans, active-duty members, and surviving spouses all qualify.
Most VA lenders want a 620 credit score. The VA itself sets no minimum, but lenders do. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in National City.
National City sits minutes from Naval Base San Diego. That makes it one of the most VA-active markets in San Diego County.
VA loans are built for this community. Zero down, no PMI, and competitive rates make them hard to beat here.
You need a Certificate of Eligibility (COE) to use a VA loan. Veterans, active-duty members, and surviving spouses all qualify.
Not every lender knows VA loans well. Some add overlays — extra requirements beyond VA guidelines — that reject borrowers who should qualify.
We work with 200+ wholesale lenders, including VA specialists. That access matters when your file has nuance.
The VA funding fee trips people up. First-time VA users pay 2.15% of the loan amount. That fee drops to 1.25% with 10%+ down.
Disabled veterans rated 10% or more are exempt from the funding fee entirely. Always verify your exemption status before closing.
FHA loans require 3.5% down and charge mortgage insurance for the life of the loan. VA loans skip both. That's a real dollar difference.
Conventional loans need 20% down to avoid PMI. If you have VA eligibility, using it almost always beats going conventional.
National City has a dense rental market and strong military family turnover. VA buyers here move fast — and sellers know VA loans close.
San Diego County VA loan limits were removed in 2020 for full-entitlement borrowers. You can borrow above conforming limits with zero down.
Yes. Full VA entitlement borrowers have no loan limit in San Diego County. Zero down applies regardless of purchase price.
Expect 30-45 days with a prepared file. VA appraisals add time, so start early if you're in a competitive offer situation.
Most do. VA loans close reliably, and educated listing agents know that. A strong pre-approval letter helps your offer compete.
It's a one-time fee paid to the VA. First-time users pay 2.15% with no down payment. Disabled veterans may be exempt.
Yes, up to a 4-unit property. You must occupy one unit as your primary residence. Rental income can help with qualification.
Yes. Full entitlement is restored once your prior VA loan is paid off and the property sold. Partial entitlement scenarios also exist.