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Crook County, Oregon VA Home Loan Information

Table of Contents

FAQ

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 Crook 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 Crook 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 Crook 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 Crook 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 September 30, 2020, the median home value for Crook County is $278,151. In addition, the median household income for residents of the county is $44,524.

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 Crook County, the most significant Flood hazard areas are low elevation areas around the Crooked River, which crosses through the city of Prineville. Many other creeks exist within the county, but they rarely see any flooding around them.

How do I learn about Property Taxes?

  • The Crook county tax assessor’s office can be reached at 200 NE 2nd Street #200 Prineville, Oregon, 97754. In addition, the office can also be reached by calling (541) 447-4133.
  • 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 with various programs. 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 24,404 is 88% White, 8% Hispanic, and 2% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 20% under 18 years old and 25% older than 65.
  • In total, the county has about 9,339 households, at an average of two people per household.

What are the major cities?

The county only has one city which also serves as the county seat with the city of Prineville.

About Crook County

Crook County is located near the center of Oregon and features everything people love about the state, including great views and friendly people. The county is home to many scenic outdoor attractions, including forests, waterways, state parks, and much more. Those interested in local history can’t miss out on any of the amazing historical landmarks in the area. People of all ages will receive an excellent education in the county, thanks to many great schools and educational resources. Crook County was officially founded on October 24, 1882, and was named after George Cook, who was a U.S. Army officer. The current population of the county is 23,123.

Make sure to visit all the beautiful outdoor spots in Crook County, where you can take in the best views of the local landscape. The Ochoco National Forest offers amazing views of the Oregon landscape and is home to miles of scenic trails and beautiful campsites. The scenic trails in the Ochoco National Forest are perfect for hiking and seeing local wildlife. The Prineville Reservoir is a great place for fishing, boating, and many other aquatic activities. Other beautiful outdoor spots in the county include Prineville Reservoir State Park, Mill Creek Wilderness, and Walton Lake.

See amazing early American architecture at any of the amazing historical landmarks in Crook County. The Thomas M. Baldwin House is a beautiful historic home that has been standing in the county since 1907 and features a Colonial Revival style architecture. The Thomas M. Baldwin House was added to the National Register of Historic Places on September 10, 1987. The Marion Reed Elliott House is another beautiful historic home that has been standing since 1908 and is one of the largest Queen Anne style structures in the area. Other historic landmarks in the county include the County Bank Building, Roba Ranch, and many more.

An excellent education is available to all local children and young adults thanks to the great schools in Crook County. The county is home to many excellent educational resources, including libraries and afterschool programs. Afterschool programs offered through the local schools include sport teams, art programs, music programs, and much more. Be sure to attend all the exciting events hosted through the local schools.

Veteran Information

The county is currently home to 5,035 veterans, and they all have access to:

  • Crook County is home to one VFW post:
    • Post 1412 Dexter Fincher – 405 N. Main Street, Prineville, OR 97754.
  • County Veteran Assistance Information.
    • Crook County Veteran Assistance – 422 NW Beaver St. Prineville, OR 97754.

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 no VA-approved condos in Crook County although it is still possible to get a condo approved by calling us at (877)432-5626. For more information contact us by, clicking here.

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/