Loading
Fillmore sits in the Santa Clara River Valley — a quieter, more affordable corner of Ventura County. That makes it a real option for veterans who want space without the coastal price tag.
VA loans are built for exactly this kind of market. No down payment, no PMI, and competitive rates make homeownership achievable here.
620
Typical Min Credit Score
0%
Down Payment Required
None
Monthly PMI
Fixed or Adjustable
Rate Type
21–30 Days
Est. Close Time
You need a Certificate of Eligibility to use a VA loan. Active-duty members, veterans with honorable discharge, and surviving spouses all qualify.
Most VA lenders want a 620 credit score. The VA itself sets no minimum — but lenders do. Rates vary by borrower profile and market conditions.
Not every lender works VA loans well. Big banks often have slower timelines and stricter overlays — extra rules layered on top of VA guidelines.
We work with 200+ wholesale lenders who specialize in VA. That means faster closings and fewer surprise conditions at the finish line.
The VA funding fee trips up a lot of borrowers. It's a one-time fee — typically financed into the loan — that replaces the mortgage insurance other loans charge monthly.
Disabled veterans with a service-connected rating may be exempt from the funding fee entirely. That's real money. Always verify your status before closing.
FHA loans require 3.5% down and monthly mortgage insurance. For a $500,000 home, that's $17,500 upfront plus ongoing MIP. VA loans skip both.
USDA loans also offer zero down, but only in designated rural zones. Fillmore may qualify — but VA has no geographic restrictions for eligible borrowers.
Fillmore properties are generally single-family homes — exactly what VA loans are designed to finance. Condos require VA condo approval, which adds a step.
The VA appraisal process checks minimum property requirements. Older Fillmore homes may need minor repairs before closing. Budget time for that if you're buying vintage stock.
No. Eligible veterans can finance 100% of the purchase price. No down payment is required.
It's a one-time fee that replaces monthly mortgage insurance. Veterans with service-connected disabilities may be exempt.
Yes, but the condo project must be VA-approved. We can check approval status before you make an offer.
VA requires no down payment and no monthly mortgage insurance. For most veterans, it's the stronger option.
Typically 21–30 days with an experienced VA lender. The appraisal timeline is the most common variable.
The VA sets no minimum, but most lenders require 620. Stronger scores generally mean better rates.
VA Loans in Fillmore