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Calaveras County, California VA Home Loan Information

Table of Contents


What is the VA Loan Limit?

2021 VA Home Loan Limit: $0 down up to $5,000,000* (Subject to lender limits) /2 open VA loans at one time $548,250* (Call 888-573-4496 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 Calaveras 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 Calaveras 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 Calaveras 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 Calaveras County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock in your interest rates
    • 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 March 31, 2021, the median home value for Calaveras County is $387,617. In addition, the median household income for residents of the county is $63,158.

How much are the VA Appraisal Fees?

  • Single-Family: $600.
  • Individual Condo: $600.
  • Manufactured Homes: $600.
  • 2-4 Unit Multi-Family: $850.
  • Appraisal Turnaround Times: 7 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 Calaveras County, there are flood zones in lower-lying areas, such as the appropriately named Valley Springs. Your real estate agent can help you determine whether a property is in an area that requires flood insurance.

How do I learn about Property Taxes?

  • Leslie Davis is the current tax assessor for Calaveras County. Her office can be reached at 891 Mountain Ranch Road, San Andreas, California 95249 and by calling (209) 754-6356.
  • The state of California offers incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are the California Competes Tax Credit which offers qualifying businesses with a tax credit, and the New employment Credit which offers a tax credit for taxpayers who hire full-time employees. Furthermore, the state offers several other incentives.

What is the Population?

  • The county’s population of 45,905 is 79% White, 13% Hispanic, and 3.9% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 17% under 18 years old and 28% older than 65.
  • In total, the county has about 16,942 households, with an average of 2.6 people per household.

What are the major cities?

There is only one incorporated city in Calaveras county named Angels Camp. There are fifteen census-designated places with the town of San Andreas serving as the county seat.

About Calaveras County

Located in central California, not far from Stockton and Sacramento, Calaveras County bridges the Central Valley and the Sierra Nevada mountains. The county is known for its rural atmosphere and natural beauty. Whether it’s the alpine forests in the Eastern Mountains or the lakes on its western half, all of Calaveras County is full of stunning landscapes.

If you’re a fan of Mark Twain, the name of Calaveras County will already be familiar to you. Local residents are proud to have their county featured in his story, “The Jumping Frog of Calaveras County.” In fact, they host frog jumping contests each year to celebrate their place in literary history.

The county still celebrates its artists today. This is plain to see from the many galleries, theaters, and music venues throughout Calaveras County. Art galleries in Calaveras County include Art on Main, Artworks Studio, and the Prestige Gallery. There are many art classes offered all over the county, perfect for honing your skills. The county is also home to three public access TV channels and hosts classes in TV production.

To see live music of all different genres, be sure to check out Alchemy Market Café, Sequoia Woods Country Club, or one of the other music venues. At the Black Bart Playhouse, you can see an excellent stage production. Other theatres in Calaveras County include the Bret Harte Theatre and Theatre Under the Stars.

If you love the outdoors, then Calaveras County is the perfect spot for you, offering opportunities for hiking, camping, ATV riding, and much more. In addition, the county’s lakes provide plenty of chances to enjoy aquatic activities. You can go fishing on Lake Comanche or boating on Lake Tulloch.

Calaveras County is also known for its caves and caverns. If you’re interested in exploring them, you can hop on one of the many cave tours. With its unique scenery and opportunities for adventure, Calaveras County has plenty to offer people of all ages. 

Veteran Information

The county is currently home to 4,491 veterans.

  • Calaveras County is home to three VFW post:
    • Post 2600 Dean Kincannon Post – 156 West Saint Charles Street, San Andreas, California 95249.
    • Post 3322 Blaise L. Paper Post – 202 Spink Road, West Point, California 95255.
    • Post 12118 James D. Piper – 370 Main Street, Copperopolis, California 95228.
  • County Veteran Assistance Information

Apply for a VA Home Loan

  • 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

Name (ID): HILLTOP ESTATES, TR. 444 (C01330)

Status: Accepted With Conditions
Request Received Date: 11/29/1999
Review Completion Date: Unavailable

California VA Loan Information

VA Loan Information by State