Compare VA Loan Specialists in Chico, CA
Directory of va loan specialists in Chico, California. Verify credentials with the state state mortgage licensing authority before hiring.
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State Mortgage Licensing Authority of California before hiring.
Showing 19 va loan specialists in Chico, CA
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VA loan specialists in Chico, California help eligible veterans, active duty service members, and surviving spouses obtain home loans with no down payment. California law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Chico veterans benefit from local specialists who understand Butte County property values and the nearby military community at Beale Air Force Base.
What Does a VA Loan Specialist in Chico Cost?
VA loan specialists in California typically charge an origination fee of 1 to 2 percent of the loan amount, though this fee can be negotiated. Closing costs in Chico generally range from 2 to 5 percent of the purchase price, including appraisal fees, title insurance, and recording fees. The VA funding fee is required unless you have a service-connected disability; it ranges from 1.4 to 3.6 percent of the loan amount for first-time use. Note that this is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the basic eligibility requirements for a VA loan in Chico?
You must have served 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the Reserves or National Guard. A Certificate of Eligibility from the VA is required. Surviving spouses of service members who died in the line of duty may also qualify.
Can I use a VA loan to buy a home in Chico if I have a previous VA loan?
Yes, you may be able to restore your entitlement if the previous loan has been paid in full and the property has been sold. You can also have multiple VA loans at once if you have enough remaining entitlement. A specialist can help you check your current entitlement status.
Are there any California-specific rules for VA loan appraisals in Chico?
Yes, the VA requires an appraisal by a VA-approved appraiser to ensure the property meets minimum property requirements. In California, the appraisal must also comply with state-specific environmental hazard disclosures, such as for lead-based paint and earthquake hazards. The appraisal fee in Chico typically ranges from 500 to 700 dollars.