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Dolores 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 Dolores county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house 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 Dolores 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 Dolores 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 Dolores 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 Dolores County is $164,841. In addition, the median household income for residents of the county is $45,972.

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.
  • There is no digital data in the FEMA Flood Map Service Center. There seem to be no flood hazard areas in Dolores County.

How do I learn about Property Taxes?

  • Berna Ernst is the Dolores County Assessor. Her office is at 409 North Main Street, P.O. Box 478, Dove Creek, Colorado 81324 it can also be reached by calling (970) 677-2385.
  • 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 2,055 is 87% White, 6.3% Hispanic, and 3.3% American Indian.
  • 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 759 households, with an average of 2.4 people per household.

What are the major cities?

The County has two towns, Rico and Dove Creek, with the latter one being the county seat.

About Dolores County

Dolores County is the seventh least populated county in Colorado. Dolores County is thought to have been inhabited by humans since 2,500 B.C. The County boasts a rich history of Native American ruins. Tribes said to have inhabited Dolores County include the Ute and Navajo Tribes. There are at least 816 archaeological sites located in Dolores County.

Gold was discovered in 1866 in Dolores County. The discovery of gold brought in miners from all over the country. Dolores County was officially created by the Colorado legislature on Feb. 19, 1881.

Dolores County offers a number of scenic trails and bicycle routes, including the Great Parks Bicycle Route and the Old Spanish Historic Trail. Dolores also has several nationally protected areas where visitors can enjoy the scenic views and the diversity of wildlife. Lizard Head Wilderness, the San Juan National Forest, and the Canyons of the Ancient National Monument are just a few of the sites that Dolores County has to offer.

Furthermore, when it comes to arts and culture, the County is home to Mancos Creative District, West Fork Galley, and Willowtail Springs Lakeside Cavins. Other fun activities available in the County are Dunton Hot Springs, Mesa Verde Sunrise Tours & nature Hike, and Mancos State Park.   

Veteran Information

The county is currently home to 184 veterans.

  • Perry County is home to one VFW post:
  • County Veteran Assistance Information
    • Dolores County Veteran Service Office – 428 Dove Creek, CO 81324.

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 Dolores County. However, it is still possible to get a condo through the condo approval process by calling (877) 432-5626.