Question 1

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

Accepted Answer

Yes. Full VA entitlement borrowers have no loan limit in San Diego County. Zero down applies regardless of purchase price.

Question 2

How long does VA loan approval take?

Accepted Answer

Expect 30-45 days with a prepared file. VA appraisals add time, so start early if you're in a competitive offer situation.

Question 3

Do sellers in National City accept VA offers?

Accepted Answer

Most do. VA loans close reliably, and educated listing agents know that. A strong pre-approval letter helps your offer compete.

Question 4

What is the VA funding fee?

Accepted Answer

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.

Question 5

Can I use a VA loan to buy a multi-unit property?

Accepted Answer

Yes, up to a 4-unit property. You must occupy one unit as your primary residence. Rental income can help with qualification.

Question 6

Can I reuse my VA loan benefit after paying off my first one?

Accepted Answer

Yes. Full entitlement is restored once your prior VA loan is paid off and the property sold. Partial entitlement scenarios also exist.

VA Loans in National City: Zero Down for Those Who Served