Douglas 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 Douglas 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 Douglas 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 Douglas 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 Douglas 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 Douglas 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 Douglas County is $224,854. In addition, the median household income for residents of the county is $45,812.

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 Douglas County, low elevation areas around the Umpqua and the North Umpqua rivers are considered flood hazards, as well as areas around Smith River which are a little smaller.

How do I learn about Property Taxes?

• The Douglas county tax assessor’s office can be reached at 1036 SE Douglas Avenue Rm CH 206 Roseburg, Oregon 97470. In addition, the office can also be reached by calling (541) 440-4222.
• 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 110,980 is 87% White, 6% Hispanic, and 3% 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 45,026 households, at an average of two people per household.

What are the major cities?

The county has twelve cities including the city of Roseburg which is also the county seat. The other eleven cities in the county are Canyonville, Drain, Elkton, Glendale, Myrtle Creek, Oakland, Reedsport, Riddle, Sutherlin, Winston, and Yoncalla.

About Douglas County

Originally home to the Umpqua Indians, Douglas County, Oregon was established in 1852 and was named after U.S. Senator Stephen A. Douglas, Abraham Lincolns opponent in the 1860 presidential election. In addition, the county seat at Roseburg was incorporated in 1851 and was named after Aaron Rose, who established a homestead within the current city limits on September 23, 1851.

Today, the county’s economy depends on the local timber industry which is supplemented by an agricultural industry that produces field crops, orchards, and livestock. However, the biggest industries in the county are healthcare, retail, and manufacturing. Hence, the most common occupations in the county are administrative support, sales, and management.

The county’s Industrial Development Board develops and implement a strategic marketing recruitment program that helps businesses that benefit the county. In addition, the program maintains and creates local sustainable incentives that help in the development of new businesses.

When it comes to education, the county is serviced by eleven counties that educate students from pre-K to 12^th grade. In addition, the county is also home to Umpqua Community College which offers two-year associate degrees. Moreover, most college students in the county tend to get degrees in general studies, liberal arts, and registered nursing.

Finally, the county is also rich in recreational, and historic, institutions like the Oregon Dunes National Recreational Area, Wildlife Safari, and the Douglas County Museum. In addition, there are several wineries and vineyards within the county which hold annual events for wine lovers.  

Veteran Information

The county is currently home to 12,677 veterans, and they all have access to:

• Douglas County is home to one VFW post:
  • Post 2468 Patrick W. Kelley – 1127 NE Walnut St. Roseburg, OR 97470.
  • Post 9745 Amos R. Osborne – 570 SW Douglas Blvd, Winston, OR 97496.
  • Post 3970 Sutherlin – 150 N Willamette St. Sutherlin, OR 97479.
  • Post 9744 South Umpqua Thacker-Wallace – 252 S Old Pacific Hwy, Myrtle Creek, OR 97457.
• VA Medical Centers in the county:
  • Roseburg VA Health Care System – 913 NW Garden Valley Blvd, Roseburg, OR 97471.
• County Veteran Assistance Information.
  • Douglas County Veterans Service Office – 1036 SE Douglas Ave, Room 7/8, Roseburg, Oregon 97470.

Apply for a VA Home Loan

• For more information about VA Home Loans and how to apply, click here.
• If you meet the VA Home Loan Qualifications, 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): CLEARWATER (000458) Address:  CONDOS ROSEBURG OR 97470 DOUGLAS Status: Accepted Without Conditions Request Received Date: 10/08/2014 Review Completion Date: 11/30/2014

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/