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Alamosa County, Colorado VA Home Loan Information

Table of Contents


What is the VA Loan Limit?

2021 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $548,250 (Call 877-432-5626 for details).

How to Apply for a VA Home Loan?

This is a quick look at how to apply for a VA home loan in Alamosa county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Alamosa County. If you have any questions, you can call us at VA HLC and we’ll help you get started.

  1. Get your Certificate of Eligibility (COE)
    • Give us a call at (877) 432-5626 and we’ll get your COE for you.
  2. Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
  3. Get pre-approved, to get pre-approved for a loan, you’ll need:
    • Previous two years of W2s
    • Most recent 30 days paystubs or LES (active duty)
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info
  4. Find a home
    • We can help you check whether the home is in one of the Alamosa County flood zones
  5. Get the necessary inspections
    • Termite inspection: required
    • Well or septic inspections needed, if applicable
  6. Get the home appraised
    • We can help you find a VA-Certified appraiser in Alamosa County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock in your interest rates
    • Pro tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
  8. Close the deal and get packing!
    • You’re ready to go.

What is the Median Home Price?

As of April 31, 2021, the median home value for Alamosa County is $194,073. In addition, the median household income for residents of the county is $37,515.

How much are the VA Appraisal Fees?

  • Single-Family: $1000.
  • Individual Condo: $1025.
  • Manufactured Homes: $1050.
  • 2-4 Unit Multi-Family: $1200.
  • Appraisal Turnaround Times: 15 days.

Do I need Flood Insurance?

  • The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
  • There is currently no FEMA Flood Hazard data from Flood Hazards in Alamosa County. However, there are possible small flood hazard areas located around the Rio Grande and Jara Creek.

How do I learn about Property Taxes?

  • Sandra Hostetter is the Alamosa County tax assessor. Her office is located at 8999 Independence Way, Suite 105, Alamosa, Colorado 81101 and can be called at (719) 589-6365.
  • The state of Colorado offers Coloradoans the opportunity to be eligible for the Property Tax, Rent, Heat Credit Rebate (PTC Rebate). Some basic requirements are that applicants live in Colorado for at least one year, be 65 years or older, or the surviving spouse of 58 years of age, or a disabled person. Income and expenses will guide how much is given in the rebate.

What is the Population?

  • The county’s population of 16,233 is 47.6% Hispanic, 47.1% White, and 5.5% American Indian.
  • Most county residents are between 18 and 65 years old, with 24% under 18 years old and 13% older than 65.
  • In total, the county has about 6,162 households, with an average of 2.4 people per household.

What are the major cities?

The County has one city and one town, with the city of Alamosa serving as the county seat. The one town in the county is the town of Hooper.

About Alamosa County

Before Europeans arrived, Alamosa County was home to multiple Native American cultures like Clovis and Folsom Counties dating back 11,000 years. The county was named after the Spanish word for a “grove of cottonwood trees.” Eventually, the county was taken over by the Spanish in the 1500s until 1821 when Mexico got its independence from Spain.

Today the county is home to an economy where Healthcare, Accommodation, and Educational Service industries are the biggest employment industries in the county. As a result, the county most residents of the county tend to have a job in food preparation, sales, and office administration.

Students in Alamosa County have access to two school districts in Sangre De Cristo District and Alamosa School District No. RE-11J. These two school districts have a total of six schools and educate about 2,600 students every year. Additionally, students who want to get a higher education can go to Adams State University where most students get four-year degrees in the Business Administration, Teacher Education, and Psychology concentrations.

Both residents and visitors can enjoy the county’s many outdoor activities like hiking the San Luis Valley Trail, look for extraterrestrial beings at the UFO watchtower, or do some rock climbing at Penitente Canyon.

Furthermore, Residents can learn more about the county’s local history by visiting the Fort Garland Museum and the San Luis Valley History Museum which display ole artifacts from early settlers of the area. In addition to celebrating the local community by taking part in its many annual events like the Rio Frio Ice Fest, the Summerfest on the Rio, and the Alamosa Round-up Rodeo. 

Veteran Information

The county is currently home to 791 veterans.

  • Perry County is home to one VFW post:
    • Post 899 Mt. Blanca Post – 519 Main St. Alamosa, CO 81101.
  • VA Medical Centers in the county:
    • Alamosa VA Clinic – 622 Del Sol Drive, Alamosa, CO 81101.
  • County Veteran Assistance Information
    • Alamosa County Veterans Affairs Office – 8900 Independence Way, Alamosa, CO 81101.

VA Home Loan Information

  • For more information about VA Home Loans and how to apply, click here.
  • If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.  
  • VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.

VA Approved Condos

There are no VA-approved condos currently in Alamosa County. However, it is possible to get a condo through the condo approval process, just call us at (877) 432-5626.