Question 1

Can I use a VA loan on Cupertino homes over $1.5 million?

Accepted Answer

Yes, VA jumbo loans work up to $2M+ with zero down if you have full entitlement. Lenders require stronger credit and income for amounts above $1,149,825.

Question 2

Do VA loans work with Apple or Google equity compensation?

Accepted Answer

Yes, lenders average your RSU and stock income over two years. Bring W-2s and vesting schedules to show stable equity compensation history.

Question 3

How does zero down affect my offer strength in Cupertino?

Accepted Answer

Full VA pre-approval carries the same weight as conventional financing. Sellers care about approval strength, not your down payment amount.

Question 4

What credit score do I need for a VA jumbo loan here?

Accepted Answer

Most lenders want 640+ for VA jumbo loans in Santa Clara County. Some require 660+ on amounts above $1.5M depending on your debt-to-income ratio.

Question 5

Are VA appraisals stricter than conventional appraisals?

Accepted Answer

VA appraisals include minimum property standards like working heat and safe electrical systems. This protects you but can delay closing if repairs are required.

VA Loans in Cupertino: Zero Down on $2M+ Homes for Service Members