Question 1

Can I use a VA loan in Guadalupe with no down payment?

Accepted Answer

Yes. Veterans with full entitlement have no loan limit and no down payment requirement. Your COE confirms your entitlement status.

Question 2

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

Accepted Answer

Typically 30 to 45 days. VA appraisals add a step, so don't expect to close in under three weeks.

Question 3

Does Guadalupe's rural character affect VA eligibility?

Accepted Answer

Not directly. VA loans work on rural properties, but the home must meet VA Minimum Property Requirements at appraisal.

Question 4

What is the VA funding fee in 2026?

Accepted Answer

First-time VA buyers pay 2.15% of the loan amount. Subsequent use rises to 3.3%. Disabled veterans may be fully exempt.

Question 5

Can a seller pay closing costs on a VA loan?

Accepted Answer

Yes. VA allows sellers to pay all closing costs plus up to 4% in concessions. Negotiate this into your offer.

Question 6

What credit score do I need for a VA loan in Santa Barbara County?

Accepted Answer

VA has no official minimum, but most lenders require 620. Better rates kick in at 680 and above. Rates vary by borrower profile and market conditions.

VA Loans in Guadalupe, CA — Zero Down for Veterans