Question 1

Can I use a VA loan to buy in Rohnert Park with no money down?

Accepted Answer

Yes. VA loans require zero down payment. You'll still pay closing costs unless the seller agrees to cover them.

Question 2

Does FHA mortgage insurance ever go away?

Accepted Answer

On most FHA loans originated after 2013, mortgage insurance stays for the life of the loan. Refinancing to conventional is the exit.

Question 3

Which loan has better rates — FHA or VA?

Accepted Answer

VA loans typically carry lower rates than FHA. Rates vary by borrower profile and market conditions.

Question 4

What credit score do I need for a VA loan?

Accepted Answer

VA has no official minimum, but most lenders require 580–620. A stronger score gets you better pricing.

Question 5

Can I use both FHA and VA if I qualify for both?

Accepted Answer

No — you pick one loan per purchase. VA is almost always the better choice if you're eligible.

Question 6

Do FHA and VA loans have loan limits in Sonoma County?

Accepted Answer

VA limits are waived for eligible borrowers with full entitlement. FHA limits apply and vary by county each year.

FHA vs VA Loans in Rohnert Park, CA