Question 1

Can I use a VA loan to buy in Windsor with no down payment?

Accepted Answer

Yes, if you have full VA entitlement. Most eligible borrowers can buy with zero down and no loan limit.

Question 2

Does the VA funding fee apply to all borrowers?

Accepted Answer

Most borrowers pay it, but veterans with a service-connected disability are exempt. It can also be rolled into the loan.

Question 3

How long does a VA loan take to close in Windsor?

Accepted Answer

Typically 30-45 days. Choosing a VA-experienced lender keeps the timeline tight and avoids appraisal delays.

Question 4

Can surviving spouses use VA loans in Windsor?

Accepted Answer

Yes. Eligible surviving spouses of service members can qualify for VA loan benefits, including zero down payment.

Question 5

What credit score do I need for a VA loan here?

Accepted Answer

The VA sets no minimum, but most lenders require at least 620. Rates vary by borrower profile and market conditions.

Question 6

Can I use a VA loan to buy a condo in Windsor?

Accepted Answer

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

VA Loans in Windsor, CA — Zero Down for Veterans