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Fairfield sits next to Travis Air Force Base. That makes VA loans one of the most-used loan programs in this city.
Active-duty members, veterans, and surviving spouses all qualify. Zero down payment is the headline benefit.
0%
Down Payment
620 (typical)
Min Credit Score
None
Mortgage Insurance
1.25% – 3.3%
Funding Fee Range
30–45 Days
Typical Close Time
VA Loans in Fairfield
You need a Certificate of Eligibility (COE) to use a VA loan. Most lenders also want a 620 credit score minimum.
VA loans have no mortgage insurance. That alone saves most borrowers hundreds per month versus FHA.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfield.
Fairfield sits next to Travis Air Force Base. That makes VA loans one of the most-used loan programs in this city.
Active-duty members, veterans, and surviving spouses all qualify. Zero down payment is the headline benefit.
You need a Certificate of Eligibility (COE) to use a VA loan. Most lenders also want a 620 credit score minimum.
Not every lender handles VA loans well. Some treat it like a conventional loan and get tripped up on VA appraisal rules.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones close VA loans fast and without drama.
VA funding fee trips up a lot of borrowers. It ranges from 1.25% to 3.3% of the loan — but disabled vets pay zero.
You can roll the funding fee into the loan. Most buyers do. It keeps cash out of pocket low on closing day.
FHA requires 3.5% down and monthly mortgage insurance. VA requires neither — if you qualify, VA almost always wins.
Conventional loans need 20% down to avoid PMI. Most Fairfield buyers can't swing that. VA closes that gap.
Fairfield's proximity to Travis AFB means sellers here know VA loans. That's not true everywhere in California.
Solano County home prices are lower than the Bay Area. VA's no-loan-limit rule helps buyers who want more buying power.
No. Any eligible veteran or active-duty member can use a VA loan here. Travis AFB just means more local VA experience.
Yes. You can restore entitlement after selling and paying off a prior VA loan. A VA lender can check your current eligibility status.
Single-family homes and VA-approved condos qualify. The property must be your primary residence — investment properties do not.
Typically 30 to 45 days. VA appraisals can add time. Working with a lender experienced in VA keeps the timeline tight.
No minimum. But most lenders set their own floor, often around $75,000. Ask your broker before assuming any amount works.
Possibly. Surviving spouses of service members who died in the line of duty may qualify. A COE will confirm eligibility.