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Bradley County, Arkansas VA 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 Bradley 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 Bradley 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 Bradley 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 Bradley 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 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 January 31, 2021, the median home value for Bradley County is $63,174. In addition, the median household income for residents of the county is $43,184.

How much are the VA Appraisal Fees?

  • Single-Family: $500.
  • Individual Condo: $500.
  • Manufactured Homes: $550.
  • 2-4 Unit Multi-Family: $550.
  • Appraisal Turnaround Times: 10 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.
  • In Bradley County, there could be some minimal flood hazard areas on the northwest side of the country at zones surrounding Brushy L’ Aigle Creek. On the east and south east sides, the minimal flood hazard areas could be around the Snake Creek.

How do I learn about Property Taxes?

  • Krystle Hays is the Bradley county tax assessor. Her office can be reached at 101 E Cedar St #8, Warren, AR 71671, United States. Also, Krystle’s office can be reached by calling (870)-226-2211.
  • Homeowners in Arkansas may receive a homestead property tax credit of up to $375 per year and must apply for the credit with the county assessor’s office to receive such a benefit.
  • Furthermore, this benefit for homeowners is for those who are the record owner of the property, a buyer under a recorded sales contract, or a person holding a registered life estate in the property. Also, nursing homes or retirement center residents who still own their residence may continue to qualify for the homestead tax credit under certain circumstances. Besides, individuals who have deeded their homes to other persons but continue to live there as their principal place of residence may continue to qualify for the homestead tax credit provided, they retain a recorded life estate in the property. Homeowners in Bradley County may claim only one homestead tax credit each year.

What is the Population?

  • Currently, Bradley County’s population is 10,763. Moreover, demographically speaking, 55% of the population is white, with 15% of Hispanic background, and 27% are African American.
  • Most county residents are between 18 and 65 years old, with 24% under 18 years old and 19% older than 65.
  • In total, the county has about 4,419 households, with an average of two people per household.

What are the major cities?

The county has three cities, including the city of Warren, the county’s seat and the other two major cities are Hermitage and Banks.

About Bradley County

Bradley County, Arkansas, is a historical and natural refuge where visitors find more than a couple of hundred Native American historical areas that trace back to more than five thousand years. Most of them belong to the Caddo tribe. Plus, these sites include what used to be fishing sites, ceremonial plazas, temple grounds, and extensive communities containing hundreds of archeological items.

Felsenthal is home to various birds, including eagles, owls, hawks, and a protected species of woodpecker. Plus, the Saline River, which runs through the reserve, is open to fishermen and is full of bass, a species native to the Kentucky region.

A total of 65,000 acres makes up this extraordinary refuge and reservation, making it one the largest ones in the country to preserve green trees and wildlife.

Finally, the county boasts of its true beauty of scenic woodlands, fields full of crops, and great southern hospitality. The famed Bradley County Pink Tomato is grown on family farms and celebrated each month of June during the Bradley County Pink Tomato Festival.

Veteran Information

Bradley County is known as a military town with a current veteran population of 769.

  • Bradley County is home to one VFW Post 
    • Post 4564 Baker-York Post – 210 North Main Street, Warren, Arkansas 71671.
  • County Veteran Assistance Information
    • Bradley County Veterans Service Office – 210 North Main Street, Warren, Arkansas 71671.

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 currently no VA-approved condos available in Bradley County, Arkansas. For more information about VA home loans call us at (877) 432-5626.