Question 1

Do I need a down payment for a VA loan in Dinuba?

Accepted Answer

No. Veterans with full entitlement put zero down. That's one of the biggest advantages of the VA program.

Question 2

Can I use a VA loan on a rural property in Dinuba?

Accepted Answer

Yes, but the VA appraisal must pass the minimum property requirements. Agricultural land attached to the home can complicate approval.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

Most lenders require 620. Some go lower, but expect tighter conditions below that threshold.

Question 4

Is the VA funding fee mandatory?

Accepted Answer

Not always. Veterans with a service-connected disability rating may be fully exempt. Confirm your status before your loan closes.

Question 5

How do VA rates compare to FHA rates in Tulare County?

Accepted Answer

VA rates typically run lower than FHA rates. Rates vary by borrower profile and market conditions, so always compare both options.

Question 6

Can a surviving spouse use a VA loan in Dinuba?

Accepted Answer

Yes. Surviving spouses of veterans who died in service or from a service-connected disability are eligible for VA financing.

VA Loans in Dinuba, CA — Zero Down for Those Who Served