Question 1

Do I need to be near Beale AFB to use a VA loan in Yuba City?

Accepted Answer

No. Any eligible veteran or active-duty member can use a VA loan here. You just need valid entitlement and a property that meets VA standards.

Question 2

What is the VA funding fee in California?

Accepted Answer

The funding fee varies by usage and down payment. First-time use with zero down is currently 2.15%. Sellers can pay it as a concession.

Question 3

Can I buy a multi-unit property in Yuba City with a VA loan?

Accepted Answer

Yes, up to 4 units — but you must occupy one unit as your primary residence. VA will not finance pure investment properties.

Question 4

How long does a VA loan take to close in Sutter County?

Accepted Answer

With an experienced lender, expect 21-30 days. The VA appraisal is often the longest step. Choose a lender who orders it immediately.

Question 5

Is the VA funding fee waived for disabled veterans?

Accepted Answer

Yes. Veterans with a service-connected disability rating are exempt from the funding fee. This saves thousands at closing.

Question 6

Can I use a VA loan if I've used one before?

Accepted Answer

Yes. As long as your previous VA loan is paid off or you have remaining entitlement, you can use VA benefits again.

VA Loans in Yuba City — Zero Down for Veterans