Question 1

Can I use a VA loan on a new construction home in Lathrop?

Accepted Answer

Yes, but the builder must be VA-approved. VA appraisals on new builds add time — plan for it.

Question 2

Do I pay the VA funding fee if I have a disability rating?

Accepted Answer

No. Veterans with a service-connected disability rating are exempt from the VA funding fee entirely.

Question 3

How does the VA loan process differ from a conventional loan?

Accepted Answer

VA requires a COE and a VA appraisal. Those add steps, but the zero-down benefit is worth it for eligible borrowers.

Question 4

Can surviving spouses use a VA loan in Lathrop?

Accepted Answer

Yes. Surviving spouses of service members who died in the line of duty may be eligible. A COE is still required.

Question 5

Is there a loan limit on VA loans in San Joaquin County?

Accepted Answer

Veterans with full entitlement have no loan limit. Borrowers with reduced entitlement may face county-based limits.

VA Loans in Lathrop, CA — Zero Down for Veterans