Question 1

Can I use a VA loan to buy rural land in Etna?

Accepted Answer

VA loans cover the home, not raw land. The property must be your primary residence with a livable structure.

Question 2

What is the VA funding fee in 2026?

Accepted Answer

The funding fee varies by service history and down payment. Some veterans with service-connected disabilities are exempt.

Question 3

Is there a loan limit on VA loans in Siskiyou County?

Accepted Answer

Veterans with full entitlement have no VA loan limit. Borrowers with reduced entitlement may face county-based caps.

Question 4

How long does a VA loan take to close in Etna?

Accepted Answer

Plan for 30-45 days minimum. Rural appraisal scheduling in Siskiyou County can add time — start early.

Question 5

Can I use a VA loan for a manufactured home in Etna?

Accepted Answer

Yes, but the home must be on a permanent foundation and meet VA property guidelines. Not all lenders offer this.

VA Loans in Etna, CA — Zero Down for Veterans