Question 1

Can I use a VA loan on a manufactured home in Paso Robles?

Accepted Answer

Yes, if the manufactured home meets VA requirements — permanent foundation, built after June 1976, and classified as real property. Not all lenders handle these efficiently.

Question 2

Do I pay the VA funding fee if I'm disabled?

Accepted Answer

No. Veterans with service-connected disabilities are exempt from the funding fee. This saves 2.15-3.3% of the loan amount at closing.

Question 3

What if the home needs repairs the VA appraiser flags?

Accepted Answer

Sellers must complete required repairs before closing or you need to find another property. VA appraisals protect you but can kill deals on fixer-uppers.

Question 4

Can I buy a second home in Paso Robles with my VA benefit?

Accepted Answer

No. VA loans require you to occupy the property as your primary residence. You can use your benefit again after selling, but not for investment or vacation homes.

Question 5

How long does VA loan approval take in Paso Robles?

Accepted Answer

Most VA loans close in 30-40 days with competent lenders. Rural properties with well and septic can add 5-10 days for additional inspections and appraisal review.

VA Loans in Paso Robles: Zero Down for Veterans in Wine Country