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Montague sits in Siskiyou County — rural, affordable, and well-suited for VA buyers. No down payment means you can move fast when the right property comes up.
Rural California markets like Montague often have lower price points than coastal cities. VA's zero-down benefit stretches further here than almost anywhere in the state.
0%
Down Payment
620 (typical)
Min Credit Score
None
Mortgage Insurance
1.25% – 3.3%
Funding Fee Range
No limit
Loan Limit (full entitlement)
VA Loans in Montague
You need a Certificate of Eligibility (COE) to use a VA loan. That proves your service record qualifies — active duty, veteran, or surviving spouse.
Most lenders want a 620 credit score minimum. VA itself sets no official floor, but lenders do. Debt-to-income ratio matters too — keep it under 41% if possible.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Montague.
Montague sits in Siskiyou County — rural, affordable, and well-suited for VA buyers. No down payment means you can move fast when the right property comes up.
Rural California markets like Montague often have lower price points than coastal cities. VA's zero-down benefit stretches further here than almost anywhere in the state.
You need a Certificate of Eligibility (COE) to use a VA loan. That proves your service record qualifies — active duty, veteran, or surviving spouse.
Not every lender knows rural VA deals. Some won't touch properties on well and septic or with acreage — common in Siskiyou County.
We work with 200+ wholesale lenders. We know which ones are comfortable with Montague-area properties and which ones will kill your deal over a barn on the lot.
VA appraisals are stricter than conventional. The appraiser checks property condition, not just value. Peeling paint, broken windows, and non-working utilities will flag.
Budget for the VA funding fee upfront. It ranges from 1.25% to 3.3% of the loan amount depending on your down payment and whether you've used VA before. Disabled veterans are exempt.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA beats that handily — no down payment, no monthly MI, period.
USDA also offers zero down in rural areas like Montague. But USDA has income caps. VA has none. If you've earned the benefit, use it.
Siskiyou County properties often include land, outbuildings, or older homes. VA has minimum property requirements (MPRs) — the home must be safe, sound, and sanitary.
Montague is a small market. Fewer active listings means less competition. A VA pre-approval puts you in a strong negotiating position with motivated sellers.
Yes, but the home must meet VA's minimum property requirements. Well, septic, and acreage are fine — the property just needs to be safe and livable.
No. Eligible veterans can finance 100% of the purchase price. You'll still pay closing costs unless the seller agrees to cover them.
It's a one-time fee rolled into your loan. Veterans with a service-connected disability rating are fully exempt.
VA appraisers assess both value and condition. Homes with deferred maintenance or safety issues can require repairs before loan approval.
Veterans with full entitlement have no loan limit. If you have a prior VA loan still active, county limits may apply.
Yes. Unremarried surviving spouses of veterans who died in service or from a service-connected disability are eligible for VA financing.