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Delta County, Colorado VA Home Loan Information

Table of Contents


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 Delta county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA mortgage 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 Delta 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 Delta 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 Delta 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 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 April 31, 2021, the median home value for Delta County is $279,173. In addition, the median household income for residents of the county is $45,269.

How much are the VA Appraisal Fees?

  • Single-Family: $750.
  • Individual Condo: $775.
  • Manufactured Homes: $800.
  • 2-4 Unit Multi-Family: $950.
  • 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 Delta County, the most significant flood areas are around Gunnison River, Uncompahgre River, and North Folk Gunnison River.

How do I learn about Property Taxes?

  • Debbie Griffith is the Delta County, tax assessor. Her office can be reached at 501 Palmer Street, Suite 210, Delta, Colorado 81416 and by calling (970) 874-2120.
  • Colorado State offers Coloradoans the opportunity to be eligible for the Property Tax, Rent, Heat Credit Rebate (PTC Rebate). Some basic requirements are that applicants live in Colorado for at least one year, be 65 years or older, or the surviving spouse of 58 years of age, or a disabled person. Income and expenses will guide how much is given in the rebate.

What is the Population?

  • The county’s population of 31,162 is 81% White, 15% Hispanic, and 2% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 19% under 18 years old and 26% older than 65.
  • In total, the county has about 11,883 households, with an average of 2.4 people per household.

What are the major cities?

The County has one city and five towns, the city Delta also serves as the county seat. The five towns are Cedaredge, Crawford, Hotchkiss, Orchard City, and Paonia.  

About Delta County

Delta County is located at the confluence of the Gunnison and Uncompahgre Rivers. The county gets its name from a piece of land located at the mouth of the Uncompahgre River. The county was originally used as a trading post for early settlers in Colorado.

Visitors and residents enjoy the rich history Delta County possesses. At the Delta County History Museum, you can find many artifacts from the early pioneer days. The museum also contains wooden silos, which are the last remaining structures of a cattle ranch established in the early 1800s, called Bar I Ranch.

The biggest employment industries in the county are healthcare, retail trade, and construction. Therefore, the most common occupations in the county are in the management, construction, and sales occupations.

In addition to the workforce, the county is home to strong educational institutions all under one school district, the Delta County Joint School District No. 50. With a total of eighteen schools, the district educates about 4,998 students every year. Higher educational opportunities are also available within the county with the Delta Montrose Technical College where most students get degrees in the criminal justice and secretarial science concentrations.

Veteran Information

The county is currently home to 3,037 veterans.

  • Perry County is home to three VFW post:
    • Post 3571 Lee Marts Post – 1250 Pioneer Road, Delta, CO 81416.
    • Post 9221 Grand Mesa Post – 295 Main St. Cedaredge, CO 81413.
    • Post 9333 Black Canyon Post – 180 S. 2nd Street, Hotchkiss, CO 81419.
  • County Veteran Assistance Information

VA Home Loan Information

  • 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

At the moment there are no VA-approved condos available in Delta County. It is possible to get a condo through the condo approval process by calling us at (877) 432-5626.