Question 1

Can I use a VA loan in Suisun City near Travis AFB?

Accepted Answer

Yes. VA loans work anywhere in California, including Suisun City. Proximity to Travis AFB means many local buyers are VA-eligible.

Question 2

Does FHA or VA have better rates?

Accepted Answer

VA loans typically carry lower rates than FHA. Rates vary by borrower profile and market conditions, so get quotes for both.

Question 3

What credit score do I need for each loan?

Accepted Answer

FHA requires 580 for 3.5% down. VA has no official minimum, but most lenders want at least a 580-620 score.

Question 4

Do VA loans have loan limits in Solano County?

Accepted Answer

Veterans with full entitlement have no VA loan limit. Borrowers with reduced entitlement may have limits apply.

Question 5

Which loan closes faster — FHA or VA?

Accepted Answer

Both have similar timelines. VA loans require a VA appraisal, which can add a few days depending on appraiser availability.

Question 6

Can I switch from FHA to VA after closing?

Accepted Answer

You can refinance an FHA loan into a VA loan later if you gain eligibility. That move can eliminate your mortgage insurance payment.

FHA vs VA Loans in Suisun City, CA