Question 1

Can I use a VA loan to buy in Cotati with no money at all?

Accepted Answer

Zero down is possible with full VA entitlement. You'll still need closing costs, though sellers can pay those.

Question 2

Does the VA loan limit affect purchases in Sonoma County?

Accepted Answer

Veterans with full entitlement have no loan limit. Partial entitlement situations may require a down payment.

Question 3

How long does VA loan approval take?

Accepted Answer

VA appraisals add time — plan for 30-45 days. A well-organized file moves faster.

Question 4

Will Cotati sellers accept VA offers?

Accepted Answer

Some sellers hesitate due to VA appraisal requirements. A strong pre-approval and clean offer offset that concern.

Question 5

Can I use a VA loan more than once?

Accepted Answer

Yes. VA entitlement can be restored after selling or paying off a prior VA loan.

VA Loans in Cotati: Zero Down for Veterans