Question 1

Can I use a VA loan to buy a vineyard property in Healdsburg?

Accepted Answer

VA loans require the home to be your primary residence. Agricultural or income-producing features get extra scrutiny — your lender must confirm the property meets VA guidelines.

Question 2

Is there a loan limit for VA loans in Sonoma County?

Accepted Answer

Veterans with full entitlement have no VA loan limit. If you have partial entitlement from a prior VA loan, county limits apply.

Question 3

How long does VA loan approval take in Healdsburg?

Accepted Answer

With a clean file, expect 21-30 days. Properties with complex features or appraisal issues can add time.

Question 4

Do I pay a VA funding fee if I'm a disabled veteran?

Accepted Answer

No. Veterans with a service-connected disability rating are exempt from the VA funding fee entirely.

Question 5

Can I compete against cash buyers using a VA loan in Healdsburg?

Accepted Answer

Yes — but you need a strong pre-approval and a broker who communicates well with listing agents. VA offers close. Sellers just need to hear that.

Question 6

What credit score do I need for a VA loan in California?

Accepted Answer

The VA sets no minimum, but most lenders require 620+. Some wholesale lenders go to 580 with compensating factors.

VA Loans in Healdsburg, CA — Zero Down for Those Who Served