Curry County, Oregon VA Home Loan Information

Table of Contents

• What is the VA Loan Limit?
• How to Apply for a VA Home Loan?
• What is the Median Home Price?
• What are the VA Appraisal Fees?
• Do I need Flood Insurance?
• How do I learn about Property Taxes?
• What is the Population?
• What are the major cities?
• About Curry County
• Veteran Information
• Apply for a VA Home Loan
• VA Approved Condos

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 Curry 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 Curry 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 Curry 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 Curry 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 Curry County is $331,310. In addition, the median household income for residents of the county is $46,396.

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 Curry County, most flood hazard areas are along the coast. However, there are also flood hazard areas around the Rogue river which cuts through the county.

How do I learn about Property Taxes?

• Jim Kolen is the Curry county tax assessor. His office can be reached at 94235 Moore Street, Ste 221, Gold Beach, Oregon 97444. In addition, her office can also be reached by calling (541) 247-3294.
• Oregon offers businesses that invest and hire within 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 22,925 is 85% White, 7% Hispanic, and 4% Mixed Race.
• Most county residents are between 18 and 65 years old, with 14% under 18 years old and 35% older than 65.
• In total, the county has about 10,440 households, at an average of two people per household.

What are the major cities?

The county currently has three cities including the city of Gold Beach which is also the county seat. The other two cities in the county are Brookings and Port Orford.

About Curry County

Curry County is located on the southwestern edge of Oregon, giving it some of the best views of the state’s coast. The county is home to many beautiful outdoor spots, where you can enjoy all your favorite outdoor activities. Be sure to check out all the local attractions in the area, including museums, art galleries, golf courses, and more! Find your new favorite meal at any of the delicious dining options in the area. Curry County was officially founded on December 18, 1855, and was named after George Law Curry, who served as Governor of Oregon. The current population of the county is 22,669.

All your favorite outdoor activities can be enjoyed at all the scenic natural attractions in Curry County. Take in the amazing views of the Oregon Islands National Wildlife Refuge, which is home to many wildlife species, rock formations, beach views, and more! For some of the best camping and hiking opportunities, be sure to visit the Siskiyou National Forest, which is home to miles of scenic trails and beautiful campsite. The Rogue River is a local favorite for fishing, canoeing, kayaking, and all other aquatic activities.

Fun for the whole family is waiting at all the interesting attractions in and nearby Curry County. If you are a fan of golfing, then you are sure to enjoy the many beautiful courses in the area, including the Cedar Bend Golf Course and the Salmon Run Golf Course. If you are interested in learning about local history, then be sure to visit the Agness-Illahe Museum, which is home to petroglyphs, Native American artifacts, settler displays, and more. Other great attractions in the area include Cape Blanco Lighthouse, Chetco Valley Museum, Hughes Ranch, and many more.

A delicious meal and excellent dining experience are waiting at all the great restaurants in Curry County. For delicious drinks and a fun evening with friends, be sure to visit any of the local breweries and wineries. The county also features many fine dining, ethnic food, and dessert options.

Veteran Information

The county is currently home to 2,990 veterans, and they all have access to:

• Curry County is home to two VFW post:
  • Post 4439 Gold Beach – 94131 Caughell St. Gold Beach, OR 97444.
  • Post 966 Charles W. Lingard Memorial – 507 Pacific Avenue, Brookings, OR 97415.
• VA Medical Centers in Curry County
  • Brookings VA Clinic – 840 Railroad Street, Brookings, OR 97415.
• County Veteran Assistance Information.
  • Curry County Veteran Services have four locations that can be accessed here.

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): PACIFIC CLIFF COVE CONDOMINIUM (000581) Address:  1305 MOORE ST BROOKINGS OR 97415 CURRY Status: Accepted Without Conditions Request Received Date: 08/27/2019 Review Completion Date: 09/19/2019

Name (ID): SUNSET BEACH CONDOMINIUM (000502) Address:  1309-1315 RANSOM AVE BROOKINGS OR 97415 CURRY Status: Accepted Without Conditions Request Received Date: 01/23/2017 Review Completion Date: 01/25/2017

Links

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/