Question 1

Is there a VA loan limit in Sonoma County?

Accepted Answer

Not for borrowers with full entitlement. Congress removed county loan limits in 2020. You can borrow above conforming limits if you qualify.

Question 2

Can I use a VA loan on a Petaluma condo?

Accepted Answer

Yes, but the condo project must be VA-approved. We check the VA approval list before you make an offer.

Question 3

What is the VA funding fee?

Accepted Answer

It's a one-time fee paid to the VA — not a lender charge. Most borrowers roll it into the loan. Some disabled veterans are exempt.

Question 4

How long does VA loan approval take?

Accepted Answer

Expect 30-45 days in most cases. The VA appraisal is the wildcard — scheduling delays can add time in competitive markets.

Question 5

Can I buy a fixer-upper with a VA loan in Petaluma?

Accepted Answer

Only if the property meets VA minimum property requirements at the time of appraisal. Significant deferred maintenance will fail the inspection.

Question 6

Do sellers in Petaluma accept VA offers?

Accepted Answer

Most do. VA appraisal concerns are the main hesitation. A well-structured offer and an experienced agent usually overcomes it.

VA Loans in Petaluma, CA — Zero Down for Veterans