Question 1

Can I use a VA loan to buy a home in Exeter with no money down?

Accepted Answer

Yes. Eligible veterans can buy with zero down in Exeter. You still pay closing costs unless the seller agrees to cover them.

Question 2

Does the VA fund fee apply to every veteran?

Accepted Answer

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

Question 3

Can I use VA for a property with farmland in Tulare County?

Accepted Answer

Maybe. VA appraisers must confirm the home's primary use is residential. Excess acreage or commercial structures can complicate approval.

Question 4

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

Accepted Answer

Plan for 30 to 45 days. VA appraisals add a step, but an experienced lender keeps the timeline tight.

Question 5

Are VA loan rates lower than conventional rates?

Accepted Answer

Usually yes. VA loans carry a government guarantee, which reduces lender risk. Rates vary by borrower profile and market conditions.

Question 6

Can I use my VA benefit more than once?

Accepted Answer

Yes. Your VA entitlement can be restored after you sell and pay off a prior VA loan. You can also have two VA loans simultaneously in some cases.

VA Loans in Exeter, CA — Zero Down for Veterans