Question 1

Is there a loan limit for VA loans in Santa Clara County?

Accepted Answer

With full VA entitlement, there is no loan limit. You can borrow what you qualify for with zero down in Campbell.

Question 2

Can I use a VA loan if I've bought a home before?

Accepted Answer

Yes, if you paid off your prior VA loan or sold the home, your entitlement is typically restored. We can pull your COE to confirm.

Question 3

Do VA loans take longer to close in Campbell?

Accepted Answer

Not if your lender is experienced. A well-prepped VA file closes in 21-30 days — comparable to conventional loans.

Question 4

What is the VA funding fee in California?

Accepted Answer

It depends on your down payment and whether you've used VA before. Veterans with a service-connected disability rating are typically exempt.

Question 5

Will sellers in Campbell accept VA offers?

Accepted Answer

Most will. The VA appraisal concern is real but manageable. A strong pre-approval and flexible close date usually wins seller confidence.

Question 6

What credit score do I need for a VA loan in Campbell?

Accepted Answer

VA sets no official minimum, but most lenders require 620. Some wholesale lenders we work with go lower depending on full file strength.

VA Loans in Campbell, CA — Zero Down for Veterans