Question 1

Can I use a VA loan on a condo in Rohnert Park?

Accepted Answer

Yes, but the complex must be VA-approved. Many older Rohnert Park condos aren't on the approved list, which immediately disqualifies them from VA financing.

Question 2

What does the VA funding fee cost in Sonoma County?

Accepted Answer

First-time use costs 2.15% with zero down or 1.5% with 5% down. Disabled veterans and surviving spouses are exempt from the fee entirely.

Question 3

Do VA loans work for Rohnert Park fixer-uppers?

Accepted Answer

Rarely. The VA requires properties to meet minimum property standards at closing. Most homes needing significant repairs won't pass the VA appraisal.

Question 4

How long does VA loan approval take here?

Accepted Answer

Experienced VA lenders close in 18-25 days in Rohnert Park. Banks unfamiliar with VA processing often take 35-45 days, which costs you deals.

Question 5

Can I waive inspections with a VA loan?

Accepted Answer

You can waive your buyer inspection, but the VA appraisal is mandatory. The appraiser will flag safety issues that must be fixed before closing.

VA Loans in Rohnert Park: Zero Down for Service Members in Sonoma County