Question 1

Can I use a VA loan to buy in Dixon?

Accepted Answer

Yes. Dixon is in Solano County, and VA loans have no county-level restrictions. You just need to meet service eligibility requirements.

Question 2

Do VA loans have loan limits in Solano County?

Accepted Answer

If you have full VA entitlement, there's no loan limit. Limits only apply if you have a prior VA loan still active.

Question 3

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid at closing, typically 1.25%–3.3% of the loan amount. Some veterans with service-related disabilities are exempt.

Question 4

Which loan has stricter credit requirements?

Accepted Answer

Conventional is stricter — most lenders want 620 or higher. VA lenders have more flexibility, especially for borrowers near that threshold.

Question 5

Can I use a conventional loan if I'm a veteran?

Accepted Answer

Absolutely. Some veterans prefer conventional when putting 20% down or buying an investment property VA doesn't cover.

Question 6

Does VA require a home inspection?

Accepted Answer

VA requires an appraisal by a VA-approved appraiser. It checks minimum property requirements. A separate inspection is always a smart move.

Conventional vs VA Loans in Dixon, CA