A 3rd party broker that specializes in mortgages guaranteed by the US government

Effingham County, Illinois VA Loan Information

effingham county il2021 $0 down, VA home loan limit for Effingham County is $548,250.

Located near the center of Illinois, Effingham County was created from portions of Fayette and Crawford Counties. The county was officially created in 1855 and was named after the 3rd Earl of Effingham, Thomas Howard. Effingham has a thriving educational system and several historical locations. The county has several fun attractions and a strong arts and culture scene. If you love the outdoors, be sure to visit one of the recreation areas in Effingham County. The many shopping areas and restaurants of Effingham County assure that you will never be bored. The total population is 34,320, including a veteran population of 2,605.

No matter what you are interested in, there is an attraction that you will love in Effingham County. If you love cars and motorcycles, then be sure to visit Heartland Classics. Heartland Classics features over 200 different types of classic cars and motorcycles. Most of the vehicles are available for purchase! History buffs will enjoy the many museums, including the Monastery Museum and the Effingham County Courthouse Museum. If wine is your thing, then visit one of the many fully-stocked wineries!

The TREC trail systems are a series of trails, perfect for those who love spending time outdoors. Hiking, biking, rollerblading, and jogging are just a few of the activities frequently enjoyed in the TREC trail system. The Ballard Nature Center is a great place to learn about the interesting plant and animal life of Effingham County. Ballard Nature Center features butterfly and hummingbird gardens, prairies, wetlands, and more. If you are looking for a place to spend the night in nature, then visit Anthony Acres Resort, which features several cabins.

Effingham County is very supportive of its artistic community. There are a multitude of art galleries that feature the works of local artists, including Brush Hill Studio, Frye Pottery, and Stang ARTs Studio. The Effingham Art Guild supports local artists by organizing art shows and other events. Classes are available for both beginners and intermediate artists. FACE Players is a local organization that helps educate and train those looking to become better actors and singers. FACE Players also showcases plays, musical acts, dance recitals, and more.

Don’t miss out on the many great restaurants and shopping areas in Effingham County. Fast food, casual dining, and fancy restaurants can all be found in Effingham County. Whether you are looking for a quick bite or somewhere to spend a romantic evening, you are sure to find the perfect place! You can find some of the most interesting antique and thrift shops in Effingham County. If you are looking for the perfect gift, then be sure to visit one of the many boutiques.

The Effingham County Veterans Assistance Office is conveniently located and helps veterans obtain many benefits. The median housing cost is $115,200, and the median household income is $52,108.

Find the Perfect Home Today

If you would like to be matched with a licensed real estate agent, contact VA Home Loan Centers today.

Effingham County Property Search

Altamont, Effingham, Beecher City, Dieterich, Edgewood, Montrose, Shumway, Watson, Banner, Bishop, Douglas, Jackson, Liberty, Lucas, Mason, Moccasin, Mound, St. Francis, Summit, Teutopolis, Union, Watson, West

62080, 62462, 62565, 62461, 62262, 62571, 62465, 62467, 62471, 62473, 62838, 62479, 60047, 62401, 62411, 62414, 60060, 62418, 62858, 62422, 62424, 62426, 62438, 62436, 62444, 62443, 62445, 61938, 62447, 62885, 61065, 62458

Call VA Home Loan Centers at 888-573-4496 for help finding a VA-approved condo, home, or other type of property.

Effingham County Condo Search

There are not currently any VA-approved condos in Effingham County. For help getting a condo approved, click here.

VFW Posts

Post 1769 Theodore Hoffman Post
2304 S Veterans Dr
Effingham, IL 62401
United States
Phone: (217) 342-3372

Meeting Location & Time
2304 S Veterans Dr
Effingham, IL 62401-4116
United States
7:30 PM 1st & 3rd Wednesday

Quartermaster: Gary Buehnerkemper
Lonnie Loy

Post 7676 Gieseking-Schwerdtfeger Post
302 W Cumberland Rd
Altamont, IL 62411
United States
Phone: (618) 483-6344

Meeting Location & Time
302 W Cumberland Rd
Altamont, IL 62411
United States
7:00 PM 1st Monday

Quartermaster: Donald Zeigler
Gary Larimore

Maximum VA Appraisal Fees Allowable in Effingham County

  • Single Family: $420
  • Mukti Family: $550
  • Individual Condo: $425
  • Manufactured: $425
  • Repair Inspection: $100


  1. Illinois VA Loan Information: https://www.vahomeloancenters.org/illinois-va-home-loan-limit/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/