Question 1

Can I use a VA loan to buy a condo in San Jose?

Accepted Answer

Yes, but the condo complex must be on the VA-approved list. Many San Jose buildings qualify — check before you write an offer.

Question 2

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

Accepted Answer

With full VA entitlement, there's no loan limit. Partial entitlement borrowers face county-based limits — talk to us about your specific entitlement status.

Question 3

How long does VA loan approval take in San Jose?

Accepted Answer

Expect 30–45 days in most cases. VA appraisals can add time. Getting your Certificate of Eligibility early keeps things moving.

Question 4

Do I have to pay the VA funding fee?

Accepted Answer

Most borrowers do. Veterans with service-connected disabilities are exempt. The fee can be financed into the loan rather than paid upfront.

Question 5

Can I use a VA loan if I've used one before?

Accepted Answer

Yes. VA entitlement can be restored after you sell and pay off your prior VA loan. You can also use remaining entitlement for a second property in some cases.

Question 6

Why do some San Jose sellers prefer conventional over VA offers?

Accepted Answer

It's a misconception that VA loans are harder to close. A strong pre-approval and experienced VA lender make your offer just as competitive.

VA Loans in San Jose: Zero Down in Silicon Valley