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Wheatland sits in Yuba County, close to Beale Air Force Base. That makes VA loans one of the most used loan programs in this area.
Home prices here are lower than coastal California. That gives VA borrowers real buying power without needing a down payment.
0%
Down Payment
620
Typical Min Credit
None
Mortgage Insurance
Fixed or ARM
Rate Type
Vets, Active, Spouses
Eligible Borrowers
VA Loans in Wheatland
You need a Certificate of Eligibility to use a VA loan. Active-duty, veterans, and surviving spouses can all qualify.
Most lenders want a 620 credit score, though VA itself sets no minimum. Debt-to-income ratio matters too — most lenders cap it at 41%, but exceptions exist.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Wheatland.
Wheatland sits in Yuba County, close to Beale Air Force Base. That makes VA loans one of the most used loan programs in this area.
Home prices here are lower than coastal California. That gives VA borrowers real buying power without needing a down payment.
You need a Certificate of Eligibility to use a VA loan. Active-duty, veterans, and surviving spouses can all qualify.
Not every lender handles VA loans the same way. Some stack on lender fees that eat into your zero-down advantage.
At SRK CAPITAL, we shop across 200+ wholesale lenders to find who prices VA loans best for Yuba County borrowers. Rates vary by borrower profile and market conditions.
VA loans have no monthly mortgage insurance. That alone saves hundreds per month compared to FHA or low-down conventional loans.
The VA funding fee is the one upfront cost to plan for. Disabled veterans are often exempt — confirm your status before closing.
FHA loans require 3.5% down and charge monthly mortgage insurance for the life of the loan. VA avoids both.
USDA loans also offer zero down, but only in designated rural zones. Parts of Yuba County qualify — but VA has no geographic restriction for eligible borrowers.
Wheatland's housing stock includes many single-family homes built for working families. Most will pass VA appraisal standards without issue.
VA appraisers apply Minimum Property Requirements — the home must be safe, sound, and sanitary. Older homes with deferred maintenance can trigger repair conditions before closing.
Yes. VA loans require zero down payment for eligible borrowers. You still need funds for closing costs unless the seller agrees to cover them.
No. VA eligibility is based on your service record, not where you live. You can buy anywhere in California with a valid Certificate of Eligibility.
The fee varies based on down payment and whether you've used a VA loan before. Disabled veterans rated 10% or more are typically exempt.
For borrowers with full entitlement, there is no loan limit. Borrowers with reduced entitlement may face county-based limits.
VA appraisers check both value and property condition. The home must meet Minimum Property Requirements — not just appraise at purchase price.
Yes, in many cases. Unremarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible.