Question 1

Is there a VA loan limit in Santa Clara County?

Accepted Answer

With full entitlement, there is no loan limit. Borrowers with partial entitlement may have county-based limits applied.

Question 2

Can I use a VA loan to buy in Morgan Hill with no money saved?

Accepted Answer

Yes — zero down is a core VA benefit. You'll still need funds for closing costs unless the seller agrees to cover them.

Question 3

Do VA loans take longer to close than conventional?

Accepted Answer

With an experienced VA lender, no. The VA appraisal adds a step, but timelines are similar when the file is clean.

Question 4

What's the VA funding fee for a first-time buyer?

Accepted Answer

First use with no down payment is 2.15% of the loan amount. It can roll into the loan so you don't pay it upfront.

Question 5

Are surviving spouses eligible for VA loans in California?

Accepted Answer

Yes, unremarried surviving spouses of veterans who died in service or from a service-connected disability qualify.

VA Loans in Morgan Hill, CA — Zero Down for Veterans