VA Loans in California | Fast Close Mortgage

VA Loans in California — 2026 Limits & How to Apply

Looking for VA Loans in California? Fast Close Mortgage is a California-licensed mortgage lender offering va loans with closing timelines as fast as 7 days. Whether you’re in Los Angeles, Sacramento, or anywhere else in California, our team can help you get approved quickly and close on a competitive va loans rate. California has the largest veteran population in the U.S. (~$1.6M). VA county loan limits match FHA limits, hitting $1,209,750 in high-cost counties. Many CA cities have VA-savvy loan officers familiar with state-funded CalVet programs.

2026 VA Loans Loan Limits in California

The 2026 VA loan limit in California is $2,000,000 statewide. California has a strong VA loan market, and the high loan limit means many California veterans can use VA financing with 0% down for properties well above the conforming loan limit. The VA Funding Fee applies (2.15%-3.6% depending on down payment and prior use) unless you have a 10%+ service-connected disability rating.

These limits matter because California veterans using VA financing can access higher purchase prices without a down payment. Combined with no private mortgage insurance (PMI) requirements, VA loans are often the most affordable path to homeownership for California veterans.

What credit score do you need for VA Loans in California?

The minimum credit score for VA Loans in California is 620 for 0% down. Borrowers with credit scores below 620 (down to 580) can still qualify with 0% down. Most California lenders prefer 620+ for the best pricing.

For California buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. California buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for California buyers across the credit spectrum.

How fast can I close VA Loans in California?

Fast Close Mortgage closes most California VA loans in 14 to 21 days. The VA appraisal process and VA Notification of Value (NOV) can add 1 to 2 weeks compared to conventional loans. Our team handles VA-specific requirements and works with VA-approved appraisers in California to keep timelines tight.

Why choose Fast Close Mortgage for VA Loans in California?

Fast Close Mortgage is a California-licensed mortgage lender offering VA Loans with closing timelines as fast as 7 days. Here’s why California buyers choose us:

Licensed in all 50 states. We serve California buyers plus 49 other states with consistent service and pricing.
Dedicated California loan officer. Each California borrower is assigned a local loan officer who understands California-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most California VA Loans close in 7 to 21 days, depending on the loan type.

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California VA Loans FAQ

The 2026 VA loan limit in California is $2,000,000 statewide. California has the largest VA loan volume of any state, and the high loan limit means many CA buyers can use VA financing with 0% down. The VA Funding Fee applies unless you have a 10%+ service-connected disability rating.

Yes — many California condo projects are VA-approved. The VA condo approval list is searchable on the VA.gov website. Most established condo projects in Los Angeles, San Diego, San Francisco, and Sacramento have active VA approval.

Fast Close Mortgage closes most VA loans in California in 14 to 21 days. The VA appraisal process can add 1 to 2 weeks compared to conventional loans. Our team handles VA-specific requirements including the VA Notification of Value (NOV) and any required repairs.

Yes — VA loan entitlement in California can be restored after a sale or refinance. Many CA veterans use their VA benefit multiple times across different properties. If you have remaining entitlement, you can also use a VA loan concurrently with a conventional loan.

The VA funding fee is 2.15% to 3.6% of the loan amount depending on your down payment and prior VA loan use. Veterans with a 10% or higher service-connected disability rating are exempt from the funding fee. Surviving spouses of veterans who died in service or from a service-connected condition are also exempt.

2026 VA Loans limits in California

$2,000,000 statewide (2026 VA loan limit). Higher in select counties.

What credit score do you need for VA Loans in California?

620 minimum for VA loan. Most CA lenders prefer 660+ for best pricing.

How fast can I close VA Loans in California?

15–25 days for CA VA loans. CA appraisal process can be slower.

Why choose Fast Close Mortgage for VA Loans in California?

Fast Close Mortgage is CA-licensed; team handles VA-specific docs.

VA Loans FAQ

Do VA loans require a down payment?

No. VA loans are 0% down for eligible veterans and active-duty service members.

Is there a funding fee for VA loans?

Yes — 2.15% to 3.6% depending on down payment and prior use. Waived for service-connected disability.

How do I get my Certificate of Eligibility (COE)?

Apply through the VA eBenefits portal, by mail with VA Form 26-1880, or your lender can pull it electronically in most cases.

Can I use a VA loan more than once?

Yes, as long as you have remaining entitlement. Entitlement is restored when the prior VA loan is paid off.

Other states

Fast Close Mortgage is licensed in California and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.