Question 1

Can a veteran use a conventional loan instead of VA?

Accepted Answer

Yes. Veterans can choose either loan. Some prefer conventional when putting 20% down to avoid the VA funding fee.

Question 2

Does VA have a loan limit in Sonoma County?

Accepted Answer

Veterans with full entitlement have no VA loan limit. Reduced entitlement borrowers may face county limits.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

The VA sets no official minimum, but most lenders in Sonoma require at least a 580–620 score to approve the loan.

Question 4

Which loan closes faster in Sonoma?

Accepted Answer

Conventional loans often close faster. VA loans require a VA appraisal, which can add a few extra days to the timeline.

Question 5

Is the VA funding fee required for all borrowers?

Accepted Answer

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

Question 6

Can I use a VA loan to buy a second home in Sonoma?

Accepted Answer

VA loans are for primary residences only. A second home or investment property requires a conventional loan.

Conventional vs VA Loans in Sonoma, CA