Question 1

Can I use both FHA and VA in Santa Clara County?

Accepted Answer

No — you pick one program per loan. If you're VA-eligible, you can't combine both on a single purchase.

Question 2

Does VA have a loan limit in Mountain View?

Accepted Answer

VA removed loan limits for borrowers with full entitlement. Your lender's guidelines and your income still cap what you can borrow.

Question 3

Is FHA mortgage insurance permanent?

Accepted Answer

For most FHA loans with less than 10% down, MIP stays for the life of the loan. Refinancing into conventional later can remove it.

Question 4

Which loan has faster approval — FHA or VA?

Accepted Answer

VA loans require a VA appraisal, which can add time. FHA appraisals have their own requirements. Neither is consistently faster.

Question 5

What's the VA funding fee in 2026?

Accepted Answer

Funding fees vary by down payment, service type, and whether it's a first use. Your Certificate of Eligibility determines your exact fee.

Question 6

Do VA loans work for condos in Mountain View?

Accepted Answer

Yes — but the condo project must be VA-approved. FHA has a similar approval requirement for condo purchases.

FHA vs VA Loans in Mountain View, CA