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Vallejo sits close to Travis Air Force Base. That means a steady population of active-duty members, veterans, and military families looking to buy here.
VA loans were built for exactly this market. No down payment, no PMI — that combination hits different in a Bay Area-adjacent city where cash is tight.
0%
Down Payment
620 typical
Min Credit Score
None
PMI Required
2.15%
Funding Fee (1st use)
30–45 days
Typical Close Time
VA Loans in Vallejo
You need a Certificate of Eligibility to use a VA loan. Active-duty members, veterans with honorable discharge, and surviving spouses all qualify.
Most lenders want a 620 credit score minimum. VA itself sets no floor — but lenders do. Debt-to-income under 41% is the target, though exceptions exist.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Vallejo.
Vallejo sits close to Travis Air Force Base. That means a steady population of active-duty members, veterans, and military families looking to buy here.
VA loans were built for exactly this market. No down payment, no PMI — that combination hits different in a Bay Area-adjacent city where cash is tight.
You need a Certificate of Eligibility to use a VA loan. Active-duty members, veterans with honorable discharge, and surviving spouses all qualify.
Not every lender handles VA loans well. Some charge lender fees that eat into your savings. Others are slow on appraisals and miss closing windows.
At SRK CAPITAL, we work with 200+ wholesale lenders — many VA-specialist shops. We find the one that moves fast and prices sharp for your profile.
The VA funding fee trips up a lot of buyers. First-time use with no down payment runs 2.15% of the loan amount. It gets rolled into the loan — but it adds up.
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. Always verify your exemption status before closing.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. VA requires zero down and zero PMI — it's not a close comparison for eligible buyers.
Conventional loans need 5–20% down to avoid PMI. If you've earned VA eligibility, using conventional financing usually costs you more money for no reason.
Vallejo's prices are lower than most Bay Area cities. That means VA buyers can often purchase without hitting loan limit concerns or needing a jumbo VA loan.
The city has seen inventory shifts — having a pre-approval letter ready matters. VA loans sometimes face seller hesitation. An experienced broker helps counter that.
VA eliminated county loan limits for eligible borrowers with full entitlement. If you've never used a VA loan before, no cap applies.
Yes, but the condo complex must be VA-approved. Check the VA's approved condo list before making an offer.
Expect 30–45 days with a prepared lender. The VA appraisal is the most common delay — budget time for it.
Yes, but the rate changes. Subsequent use with no down payment runs 3.3%. Disabled veterans may be exempt entirely.
Yes. Unremarried surviving spouses of veterans who died in service or from service-connected causes are eligible.