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Clatsop County, Oregon VA Loan Information

Table of Contents

FAQ

What is the VA Loan Limit?

2020 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $510,400 (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 Clatsop County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA home 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 Clatsop 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 Clatsop 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 Clatsop 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 March 31st, 2020, the median home value for Clatsop County is $339,359. In addition, the median household income for residents of the county is $52,583.

How much are the VA Appraisal Fees?

  • Single-Family: $775.
  • Individual Condo: $825.
  • Manufactured Homes: $825.
  • 2-4 Unit Multi-Family: $950.
  • 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.
  • In Clatsop County, waterways and shorelines which are connected to the Columbia River are considered flood hazards. In addition, more inland, the Nehalem River is also prone to flooding low elevation areas around it.

How do I learn about Property Taxes?

  • Suzanne Johnson is the Clatsop county tax assessor. Her office can be reached at 820 Exchange Street, Suite 210 Astoria, Oregon 97103. In addition, the office can also be reached by calling (503) 325-8522.
  • Oregon offers businesses that invest and hire in enterprise zones the option to be exempt from property taxes for at least three years. In addition, the Oregon Investment Advantage encourages new businesses to start and relocating to the state. For example, the program offers income tax subtraction, and it can also eliminate state income liability for new businesses for many years.

What is the Population?

  • The county’s population of 40,224 is 85% White, 8% Hispanic, and 3% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 18% under 18 years old and 23% older than 65.
  • In total, the county has about 15,910 households, at an average of two people per household.

What are the major cities?

The county has a total of five cities including the county seat of Astoria. The four other cities in the county are Cannon Beach, Gearhart, Seaside, and Warrenton.

About Clatsop County

Clatsop County is located on the northwestern tip of Oregon and is a beautiful place to call home! Enjoy in all the beauty the area has to offer at any of the scenic natural attractions, including the Arcadia Beach State Recreation Site and the Tolovana Beach State Recreation Site. The county home to a huge variety of indoor attractions as well, including several museums, golf courses, and recreation centers. Be sure to attend all the exciting events held in the county, including celebrations for most holidays. The current population of the county is 39,182.

Fun for the whole family is waiting at any of the county’s interesting local attractions. The Oregon Film Museum is a can’t-miss for any film buff, featuring a huge variety of amazing exhibits and artifacts. The Oregon Film Museum also hosts many special events and movie showings. Learn about local history by seeing all the interesting exhibits in the Columbia River Maritime Museum. Other popular attractions in the area include the Seaside Aquarium, High Life Adventures, LLC, and many more.

The county was officially founded on June 22, 1844, and was named after the Clatsop Native American tribe. Many veteran resources can be found in the area, including the local Veterans Services Office.

Veteran Information

The county is currently home to 3,668 veterans who have access to:

  • Military Bases in Clatsop County:
    • Camp Rilea Heliport https://www.airnav.com/airport/15OR
  • Clatsop County is home to five VFW post:
    • Post 12123 Don C Borland – 1315 Broadway, Seaside, OR 97138.
    • Post 10580 Fort Stevens – 66 SW 4th Street, Warrenton, OR 97146.
  • VA Medical Centers in the county:
    • North Coast CBOC – 91400 Neacoxie Street, Building 7315, Warrenton, OR 97146.
  • The Clatsop County Veteran Services officer program provides free VA counseling for Veterans, Active Duty Service Members, and their spouses.
    • For more information contact:
    • Clatsop Veteran Services Officer
    • Stephen Bobian
    • Phone: (503) 440-9411
    • Email: [email protected]
  •  

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): CANNERY LOFT CONDOMINIUM (000550)
Address: 
3990 ABBEY LANE
ASTORIA OR 97103
CLATSOP
Status: Accepted Without Conditions
Request Received Date: 08/28/2018
Review Completion Date: 09/20/2018
Name (ID): GULLS WAY (000475)
Address: 
CONDOS
ASTORIA OR 97103
CLATSOP
Status: Accepted Without Conditions
Request Received Date: 12/29/2015
Review Completion Date: 01/04/2016
Name (ID): LEXINGTON PLACE (000567)
Address: 
STAGE 1 AND 2
WARRENTON OR 97146
CLATSOP
Status: Accepted Without Conditions
Request Received Date: 05/07/2019
Review Completion Date: 05/29/2019

Oregon VA Loan Information: https://www.vahomeloancenters.org/oregon-va-home-loan-limits/

VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/