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Dixon sits in Solano County, close to Travis Air Force Base. That makes VA loans one of the most active loan types in this area.
Many Dixon buyers are active-duty, veterans, or surviving spouses. VA loans are built exactly for them — zero down, no PMI.
0%
Down Payment
620
Typical Min. Credit Score
None
PMI Required
2.15% of loan
Funding Fee (First Use)
Up to 4%
Seller Concessions Allowed
VA Loans in Dixon
You need a Certificate of Eligibility (COE) to use a VA loan. SRK CAPITAL can pull that for you directly — most borrowers don't need to track it down themselves.
Most lenders want a 620 credit score minimum. VA itself sets no floor, but the lender always does. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County, close to Travis Air Force Base. That makes VA loans one of the most active loan types in this area.
Many Dixon buyers are active-duty, veterans, or surviving spouses. VA loans are built exactly for them — zero down, no PMI.
You need a Certificate of Eligibility (COE) to use a VA loan. SRK CAPITAL can pull that for you directly — most borrowers don't need to track it down themselves.
Not every lender handles VA loans the same way. Some add overlays — stricter requirements beyond VA guidelines — that can kill a deal unnecessarily.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones with clean VA programs and competitive pricing for Solano County borrowers.
Mortgage News Daily flagged recent VA guideline changes — worth knowing if you've been told before that you don't qualify. Rules shift, and an old denial isn't final.
VA loans allow seller concessions up to 4% of the loan amount. In Dixon's market, that's a real negotiating tool — use it to cover your funding fee.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA has neither. For eligible borrowers, FHA rarely wins.
USDA also offers zero down, but has strict income and geography limits. VA has no income cap and covers Dixon without restriction.
Dixon's location in Solano County puts it within commuting range of Travis AFB. That means a steady pool of VA-eligible buyers — and sellers who understand VA offers.
VA appraisals can run strict on property condition. Older Dixon homes need to meet minimum property requirements. Know this before you make an offer.
Yes. VA loans require zero down payment. You'll still need funds for closing costs unless the seller agrees to cover them.
If you have full VA entitlement, there's no loan limit. Reduced entitlement borrowers follow county conforming limits.
It's a one-time fee paid to the VA, not a lender. Most borrowers roll it into the loan. Disabled veterans are often exempt.
Possibly. VA typically requires a 2-year waiting period after foreclosure. Some lenders may require longer.
Most do, especially near Travis AFB. VA offers are strong — no down payment doesn't mean weak financing.
Yes. If you've paid off a prior VA loan or sold the home, your entitlement is typically restored for reuse.