Question 1

Can I use a VA loan for a San Bruno condo?

Accepted Answer

Yes, if the complex is VA-approved. About half of San Bruno condos meet VA requirements. We check approval status before you write an offer.

Question 2

Do I need perfect credit for a VA loan here?

Accepted Answer

No. Most lenders approve at 580-620 FICO. We've closed San Bruno VA loans at 600 FICO with clean payment history on current housing.

Question 3

How does the funding fee work on expensive homes?

Accepted Answer

The fee runs 2.15% for first-time use with zero down. On a $1.2M home, that's $25,800. Disabled veterans pay nothing.

Question 4

Can I buy a fixer-upper with a VA loan?

Accepted Answer

Only if it meets VA minimum property standards. Peeling paint, roof damage, or safety issues must be repaired before closing.

Question 5

What if my entitlement doesn't cover the full price?

Accepted Answer

You make a down payment on the difference. On a $1.5M home with full entitlement, you might put 5-10% down instead of zero.

Question 6

How long does VA underwriting take in San Bruno?

Accepted Answer

15-25 days with our fastest lenders. VA appraisals add 7-10 days to conventional timelines, but we build that into the contract.

VA Loans in San Bruno: Zero Down for Service Members Near SFO