Named after the Alabama Tribe, who occupied the area between the Tallapoosa and Coosa Rivers, the state of Alabama is located in the southern portion of the country and is known for its scenic landscape and culinary prowess. Noted for a culture rooted in “Southern hospitality”, locals are widely considered cordial and helpful. A study of contrasts, Alabama was the capital of the Civil War era confederacy as well as a center for the Civil Rights movement of 1960s. The state has a population of over 4.8 million, with the capital being Montgomery, and the largest city being Birmingham. Prior to European settlement, indigenous peoples occupied the area for thousands of years. At the time of first contact, area tribes included the Cherokee, Alabama, Chickasaw, Choctaw, Creek and Koasati. In 1540, Hernando de Soto, led the first European exploration of the state. In 1702, France developed the first European Settlement in the area at Old Mobile. The area changed hands from France to Great Brittan following the Seven Years War as West Florida. Alabama was admitted into the union as the 22nd state in December of 1819.
Following the Civil War, like most Southern States who relied economically on agriculture, Alabama suffered from the financial disenfranchisement for many years. Today, the local economy is varied. The state has invested in aerospace, education, healthcare, banking, manufacturing, and mineral extraction. The total gross state product for Alabama is in the range $170 billion. The per capita income is $22,984. Agricultural output from the state includes poultry, eggs, cattle, fish, peanuts, cotton, and grains.
Must see attractions in the state are Helen Keller’s Home, the U.S. Space and Rocket Center, and The Birmingham Civil Rights Institute. The National Shrimp Festival is among the most popular events in the state with more than 200,000 people attending it annually. Perhaps the biggest attractions in the state are collegiate football games at the University of Alabama as well as Auburn University. The yearly Iron Bowl between both schools football program is one of if not the biggest college sporting event in the country.
418, 035 of the states residents are veterans. The majority of veterans who call Alabama home served in the Vietnam and Gulf Wars. Additionally, Alabama is home to seven military bases including Fort Rucker, Fort McClellan, Redstone Arsenal, Anniston Army Depot, Maxwell Air Force Base, Gunter Annex and Sector Mobile. There are 66,199 current service members living the state.
The state has a homeownership rate of just over 70 percent, and in 2012, the median selling price for a home was $118, 280.
In order to obtain a VA home loan in the state of Alabama, a termite inspection is required for all types of property. Veterans in Alabama are entitled to receive a full exemption on their home if their disability rating is 100 percent, and their net income is less than $12,000.
NOTE: The following is for information purposes only.
To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.
The loan limits below are the maximum 2021, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.
- Autauga County: $548,250
- Baldwin County: $548,250
- Barbour County: $548,250
- Bibb County: $548,250
- Blount County: $548,250
- Bullock County: $548,250
- Butler County: $548,250
- Calhoun County: $548,250
- Chambers County: $548,250
- Cherokee County: $548,250
- Chilton County: $548,250
- Choctaw County: $548,250
- Clarke County: $548,250
- Clay County: $548,250
- Cleburne County: $548,250
- Coffee County: $548,250
- Colbert County: $548,250
- Conecuh County: $548,250
- Coosa County: $548,250
- Covington County: $548,250
- Crenshaw County: $548,250
- Cullman County: $548,250
- Dale County: $548,250
- Dallas County: $548,250
- Dekalb County: $548,250
- Elmore County: $548,250
- Escambia County: $548,250
- Etowah County: $548,250
- Fayette County: $548,250
- Franklin County: $548,250
- Geneva County: $548,250
- Greene County: $548,250
- Hale County: $548,250
- Henry County: $548,250
- Houston County: $548,250
- Jackson County: $548,250
- Jefferson County: $548,250
- Lamar County: $548,250
- Lauderdale County: $548,250
- Lawrence County: $548,250
- Lee County: $548,250
- Limestone County: $548,250
- Lowndes County: $548,250
- Macon County: $548,250
- Madison County: $548,250
- Marengo County: $548,250
- Marion County: $548,250
- Marshall County: $548,250
- Mobile County: $548,250
- Monroe County: $548,250
- Montgomery County: $548,250
- Morgan County: $548,250
- Perry County: $548,250
- Pickens County: $548,250
- Pike County: $548,250
- Randolph County: $548,250
- Russell County: $548,250
- Shelby County: $548,250
- St Clair County: $548,250
- Sumter County: $548,250
- Talladega County: $548,250
- Tallapoosa County: $548,250
- Tuscaloosa County: $548,250
- Walker County: $548,250
- Washington County: $548,250
- Wilcox County: $548,250
- Winston County: $548,250
The following military installations are located in the state of Alabama:
Anniston Army Depot, Brookley Air Force Base, Dauphin Island Air Force Station, Eufaula Air Force Station, Hanchey Army Heliport, Lowe Army Heliport, Maxwell Air Force Base, Redstone Arsenal, Thomasville Air Force Station
