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Mountain View sits in one of the priciest real estate markets in the country. VA loans give eligible veterans real purchasing power here without a down payment.
Santa Clara County prices push most buyers toward jumbo territory. VA loans have no conforming cap — lenders can go well above standard limits for qualified borrowers.
0%
Down Payment
620 typical
Min Credit Score
No cap (full entitlement)
Loan Limit
Never
PMI Required
Veterans, active duty, spouses
Who Qualifies
VA Loans in Mountain View
You need a Certificate of Eligibility (COE) — proof of your military service — to start. Most lenders want a 620 credit score, though some VA lenders go lower.
VA loans require no private mortgage insurance (PMI). That saves hundreds per month compared to FHA or conventional loans with low down payments.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits in one of the priciest real estate markets in the country. VA loans give eligible veterans real purchasing power here without a down payment.
Santa Clara County prices push most buyers toward jumbo territory. VA loans have no conforming cap — lenders can go well above standard limits for qualified borrowers.
You need a Certificate of Eligibility (COE) — proof of your military service — to start. Most lenders want a 620 credit score, though some VA lenders go lower.
Not every lender handles VA loans well. Some charge excessive fees or slow-walk approvals. We work with 200+ wholesale lenders and know which ones close VA deals on time.
VA funding fees vary by service history and down payment amount. Shopping across multiple lenders matters — lender fees on top of the funding fee add up fast.
In Mountain View, sellers sometimes hesitate on VA offers. They wrongly assume VA appraisals kill deals. A well-prepared offer with a strong pre-approval letter changes that perception.
We've seen VA buyers beat conventional offers here. Competitive pricing, clean terms, and a broker who knows the process — that's what closes deals in this market.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA requires zero down and no mortgage insurance — it's not close for eligible borrowers.
Conventional loans beat VA only when a borrower has 20% down and strong credit. Most Mountain View veterans don't need to put 20% down to compete.
Mountain View's tech-heavy economy means many residents are W-2 employees with strong income. VA loans work well here when paired with solid employment documentation.
Santa Clara County's competitive market moves fast. Getting your COE and VA pre-approval done before you shop is non-negotiable — not optional.
Veterans with full entitlement have no loan limit. You can borrow what you qualify for based on income and credit.
Most borrowers do. Veterans with a service-connected disability rating are typically exempt — we verify your status upfront.
Yes, but the condo complex must be VA-approved. We check approval status before you make an offer.
With a complete file, most VA loans close in 30-45 days. Delays usually come from missing documents, not the VA itself.
You can get close. A strong pre-approval, clean terms, and a broker who communicates well with listing agents makes a real difference.