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Colusa 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 Colusa 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 Colusa 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 Colusa 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 Colusa 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 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 Colusa County is $257,527. In addition, the median household income for residents of the county is $59,401.

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 Colusa County, the flood zones are mostly in overflows from creeks and streams. Still, your real estate agent can help you check if a property will require flood insurance.

How do I learn about Property Taxes?

  • Arnold Cross Jr. is the current tax assessor of Colusa County. His office is at 547 Market Street, Suite 101, Colusa, California 95932 and can be called at (530) 458-0450.
  • 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 21,547 is 60% Hispanic, 34% White, and 2.8% American Indian.
  • Most county residents are between 18 and 65 years old, with 27% under 18 years old and 14% older than 65.
  • In total, the county has about 7,227 households, with an average of 2.9 people per household.

What are the major cities?

In Colusa County, there is a total of two cities Williams and Colusa with the latter one serving as the county seat.

About Colusa County

John Bidwell was famous throughout the country during the nineteenth century as leading one of the first explorations made by Americans along the California Trail. A Prohibition Party presidential candidate and overall supporter of the temperance movement, Bidwell was the recipient of the Rancho Colus Mexican land grant which would eventually become the inspiration of the name Colusa County.

Established in 1850 as one of the original 18 counties of California, the etymology of the name derives from the original native people who lived in the area, over the years the spelling of the county name has changed from Colusi to Coluse and then finally what it is known as today, Colusa.

Colusa County is in northwest California in the Central Valley; the county is adjacent to Yolo County, Lake County, Glenn County, and Butte County. Primarily Republican-leaning, a democrat hasn’t won the county in a presidential election since 1964. Many national protected areas are partially within county borders, including Butte Sink National Wildlife Refuge, Colusa National Wildlife Refuge Delevan National Wildlife Refuge, and the Mendocino National Forest.

Veteran Information

Colusa county is currently home to 830 veterans.

  • Colusa County is home to one VFW post:
    • Post 2441 Colusa County Post – 108 Main Street, Colusa, California 95932.
  • County Veteran Assistance Information
    • Colusa County Veterans Service Office – 251 E. Webster Street, Colusa, California 95987.

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

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

California VA Loan Information

VA Loan Information by State