Question 1

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

Accepted Answer

Yes. Full VA entitlement means zero down regardless of loan size. You still pay closing costs unless you negotiate seller concessions.

Question 2

Does San Joaquin County have a VA loan limit?

Accepted Answer

No limit applies if you have full entitlement. Borrowers with reduced entitlement may have a county cap.

Question 3

What credit score do VA lenders in Manteca require?

Accepted Answer

Most lenders set 620 as the floor. Some VA-approved lenders go to 580, but options narrow below 620.

Question 4

How long does a VA loan take to close in Manteca?

Accepted Answer

Plan for 30-45 days. VA appraisals add time — picking a lender experienced with VA files keeps things on schedule.

Question 5

Can a surviving spouse use VA benefits to buy in Manteca?

Accepted Answer

Yes, if the veteran died in service or from a service-connected disability. The spouse must not have remarried.

Question 6

Can I roll the VA funding fee into my loan amount?

Accepted Answer

Yes. Most borrowers add it to the loan balance rather than pay it upfront. Rates vary by borrower profile and market conditions.

VA Loans in Manteca, CA — Zero Down for Those Who Served