Question 1

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

Accepted Answer

No. Eligible veterans can finance 100% of the purchase price. You still cover closing costs unless the seller agrees to pay them.

Question 2

Can I use a VA loan to buy a home in a rural area like Lindsay?

Accepted Answer

Yes. VA has no rural restriction. As long as the property passes the VA appraisal, location is not an issue.

Question 3

What is the VA funding fee and do I have to pay it?

Accepted Answer

It's a one-time fee paid to the VA, ranging from 1.25% to 3.3%. Veterans with a service-connected disability rating are exempt.

Question 4

What credit score do I need for a VA loan?

Accepted Answer

VA itself has no minimum, but most lenders require 620. Some wholesale lenders we work with go lower on strong files.

Question 5

How does a VA loan compare to USDA in Tulare County?

Accepted Answer

Both offer zero down. USDA caps household income and restricts eligible zones. VA has neither limit if you have eligibility.

Question 6

How long does VA loan approval take in Lindsay?

Accepted Answer

Typically 30–45 days. VA appraisals can add time, especially if the property needs repairs to meet MPR standards.

VA Loans in Lindsay, CA — Zero Down for Veterans