Question 1

Can I use a VA loan in Petaluma with no down payment?

Accepted Answer

Yes. VA loans allow zero down for eligible borrowers. No down payment means more cash stays in your pocket at closing.

Question 2

Does FHA or VA have higher loan limits in Sonoma County?

Accepted Answer

Both programs follow conforming loan limits set by FHFA. Sonoma County limits apply equally to FHA and VA purchases.

Question 3

Which loan has lower monthly payments — FHA or VA?

Accepted Answer

VA usually wins. No mortgage insurance premium means a lower monthly payment, even if the rate is similar. Rates vary by borrower profile and market conditions.

Question 4

Do VA loans require a home inspection in Petaluma?

Accepted Answer

VA requires an appraisal by a VA-approved appraiser. A separate home inspection isn't required but is strongly recommended.

Question 5

Can surviving spouses use a VA loan in California?

Accepted Answer

Yes. Unremarried surviving spouses of veterans may qualify for VA loan benefits. They'll need to obtain a Certificate of Eligibility.

Question 6

What credit score do I need for FHA vs VA?

Accepted Answer

FHA requires 580 for 3.5% down. VA has no official minimum, but most lenders want at least 580 to 620.

FHA vs VA Loans in Petaluma: Which One Wins for You?