Question 1

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

Accepted Answer

Yes, if you have full VA entitlement. You can purchase with zero down and no monthly mortgage insurance.

Question 2

Does the VA loan limit apply in Ventura County?

Accepted Answer

Not for full-entitlement borrowers. The VA removed county loan limits in 2020 for those with full entitlement.

Question 3

What credit score do I need for a VA loan?

Accepted Answer

Most lenders require 620. Some VA-specialized lenders go lower — we shop across 200+ wholesale lenders to find your fit.

Question 4

Is the VA funding fee mandatory?

Accepted Answer

Not always. Veterans with a service-connected disability rating are exempt. Everyone else pays it, but it can roll into the loan.

Question 5

Can surviving spouses use VA loan benefits in Camarillo?

Accepted Answer

Yes. Unremarried surviving spouses of veterans who died in service or from a service-connected disability are eligible.

Question 6

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

Accepted Answer

Typically 30-45 days. The VA appraisal adds a step, but an experienced broker keeps the timeline tight.

VA Loans in Camarillo: Zero Down for Veterans