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Del Norte 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 Del Norte 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 Del Norte 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 Del Norte 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 Del Norte 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 Del Norte County is $272,960. In addition, the median household income for residents of the County is $45,283.

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: 10 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.
  • The flood zones in Del Norte County are mostly found along the coast. Your agent can help you to figure out whether a property is in a flood hazard area.

How do I learn about Property Taxes?

  • Jennifer Perry is the current tax assessor for Del Norte County. Her office can be reached at 981 H Street, Suite 120, Crescent City, CA 95531 or by phone at (707) 404-7200.
  • Veterans and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.

What is the Population?

  • The County’s population of 27,812 is 62% White, 20% Hispanic, and 9.7% American Indian.
  • Most county residents are between 18 and 65 years old, with 20% under 18 years old and 18% older than 65.
  • In total, the County has about 9,945 households, with an average of 2.4 people per household.

What are the major cities?

There is one city and seven census-designated places, with the one city being Crescent City which also serves as the county seat. The seven census-designated places are Bertsch-Oceanview, Fort Dick, Gasquet, Hiouchi, Klamath, Smith River, and Crescent City North.

About Del Norte County

Del Norte County is where California meets the Pacific Northwest and home to both a beach and the redwood forests. Del Norte County has plenty of rural communities that appreciate the country’s lifestyle. It is also still home to several Native American nations.

The County’s one school district has eight elementary schools, a middle school, and two high schools. Also, it has some of the highest graduation rates in all of California. Kids also will not be complaining about their school lunches; the USDA has recognized the district for their use of local, healthy foods.

Economically, Del Norte County is starting to move away from its agricultural roots. The fastest-growing areas are in healthcare and government work. Many of the government workers in Del Norte County are teachers at the local public schools.

When it comes time to relax, you can’t beat the atmosphere of Del Norte County. This is partly because the County is home to some of the most beautiful beaches in the country. Unlike Southern California beaches, you won’t have to fight for a spot to lay down your towel up in Del Norte County. Instead, you can enjoy the calls of local birds and the crash of the waves at Pelican State Beach in peace. The beaches also offer excellent opportunities for boating and deep-sea fishing.

There are several state parks in Del Norte County, which provide excellent opportunities for camping, hiking, cycling, and more! You can go for a hike in the Del Norte Coast Redwoods State Park to see some of the most amazing forests. Other great state parks in Del Norte County include Jedediah Smith Redwoods State Park, Castle Rock National Wildlife Refuge, and Tolowa Dunes State Park.

Del Norte County also has plenty of galleries and a thriving art scene. The Crescent Harbor Gallery is home to the works of regional and local artists. They even offer walking tours to people who want to check out local art. Other great art galleries in Del Norte County include Talking Crow Studio, Smith River, Oscar, and Jean Johnston Gallery, and many more.

Veteran Information

The County is currently home to 2,048 veterans.

  • Del Norte County is home to one VFW post:
    • Post 1381 John Mc Elroy Post – 810 H Street, Crescent City, California 95531.
  • 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

Currently, there are no VA-approved condos available in Del Norte County. However, it is still possible to get a condo through the condo approval process. Call us at (877) 432-5626 and we will assist you through the process.

California VA Loan Information

VA Loan Information by State