Question 1

Do VA loans have a loan limit in Vallejo?

Accepted Answer

VA eliminated county loan limits for eligible borrowers with full entitlement. If you've never used a VA loan before, no cap applies.

Question 2

Can I use a VA loan for a condo in Vallejo?

Accepted Answer

Yes, but the condo complex must be VA-approved. Check the VA's approved condo list before making an offer.

Question 3

How long does VA loan approval take?

Accepted Answer

Expect 30–45 days with a prepared lender. The VA appraisal is the most common delay — budget time for it.

Question 4

Is the VA funding fee required every time I use the benefit?

Accepted Answer

Yes, but the rate changes. Subsequent use with no down payment runs 3.3%. Disabled veterans may be exempt entirely.

Question 5

Can surviving spouses use VA loans in Vallejo?

Accepted Answer

Yes. Unremarried surviving spouses of veterans who died in service or from service-connected causes are eligible.

VA Loans in Vallejo: Zero Down for Those Who Served