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Cotati sits in Sonoma County, where home prices run high and down payments can feel impossible. VA loans cut that barrier entirely.
Veterans here get access to one of the strongest loan programs available. No down payment, no PMI, and competitive rates make VA hard to beat.
0%
Down Payment
620
Typical Min Credit
None
PMI Required
~2.15%
Funding Fee (1st Use)
VA Loans in Cotati
You need a Certificate of Eligibility (COE) from the VA. Most lenders also want a 620 credit score, though some go lower.
Active-duty members, veterans, and surviving spouses all qualify. Minimum service requirements vary — your discharge status matters.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Cotati.
Cotati sits in Sonoma County, where home prices run high and down payments can feel impossible. VA loans cut that barrier entirely.
Veterans here get access to one of the strongest loan programs available. No down payment, no PMI, and competitive rates make VA hard to beat.
You need a Certificate of Eligibility (COE) from the VA. Most lenders also want a 620 credit score, though some go lower.
Not every lender handles VA loans well. Some impose overlays — extra requirements beyond what the VA actually mandates.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones with the fewest overlays and the sharpest VA rates.
The VA funding fee trips people up. It's a one-time cost — typically 2.15% for first-time use — rolled into the loan.
Disabled veterans with a service-connected rating often get the funding fee waived entirely. Always verify your status before closing.
FHA requires 3.5% down and charges mortgage insurance for the loan's life. VA charges nothing down and no ongoing PMI.
Conventional loans need 20% down to avoid PMI. For Sonoma County prices, that's a massive cash requirement most buyers don't have.
Cotati is a small city with a tight housing supply. Sellers sometimes favor conventional offers. A strong pre-approval letter helps.
Sonoma County's VA loan limit follows the conforming baseline. Loans above that limit still work — you just need partial down payment.
Zero down is possible with full VA entitlement. You'll still need closing costs, though sellers can pay those.
Veterans with full entitlement have no loan limit. Partial entitlement situations may require a down payment.
VA appraisals add time — plan for 30-45 days. A well-organized file moves faster.
Some sellers hesitate due to VA appraisal requirements. A strong pre-approval and clean offer offset that concern.
Yes. VA entitlement can be restored after selling or paying off a prior VA loan.