Question 1

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

Accepted Answer

No. Eligible veterans can finance 100% of the purchase price. No down payment is required.

Question 2

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

Accepted Answer

It's a one-time fee that replaces monthly mortgage insurance. Veterans with service-connected disabilities may be exempt.

Question 3

Can I use a VA loan to buy a condo in Fillmore?

Accepted Answer

Yes, but the condo project must be VA-approved. We can check approval status before you make an offer.

Question 4

How does a VA loan compare to FHA in Ventura County?

Accepted Answer

VA requires no down payment and no monthly mortgage insurance. For most veterans, it's the stronger option.

Question 5

How long does a VA loan close in Fillmore?

Accepted Answer

Typically 21–30 days with an experienced VA lender. The appraisal timeline is the most common variable.

Question 6

What credit score do I need for a VA loan?

Accepted Answer

The VA sets no minimum, but most lenders require 620. Stronger scores generally mean better rates.

VA Loans in Fillmore, CA — Zero Down for Veterans