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Garfield 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 $765,600 (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 Garfield 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 Garfield 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 Garfield 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 Garfield 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 Garfield County is $488,588. In addition, the median household income for residents of the county is $75,937.

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 digital data about Flood Hazard areas in the FEMA Flood Map Service Center. However, if there are any significant flood areas in the County, they would be next to the Colorado River.

How do I learn about Property Taxes?

  • Jim Yellico is the Garfield County Tax Assessor, and his office can be reached at 109 8th Street, Suite 207, Glenwood Springs, Colorado 81601, and by calling (970) 945-9134.
  • Colorado’s 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 60,061 is 67% White, 29% Black, and 2% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 24% under 18 years old and 13% older than 65.
  • In total, the county has about 21,498 households, at an average of 2.7 people per household.

What are the major cities?

The County has two cities and four towns, including Glenwood Springs, which serves as the county seat. The other city in the County is Rifle, and the four towns are Carbondale, New Castle, Silt, and Parachute.

About Garfield County

Garfield County, Colorado was named for the former United States President James A. Garfield. The county has an area of 2,956 miles. Land makes up 2,948 square miles of Garfield County and water makes up 2,948 square miles.

The county has a number of protected areas including the Grand Mesa National Forest, the Rifle Falls State Park, the Routt National Forest, and much more. Flat Tops Wilderness Area is located in Garfield County. Flat Tops is the third largest U.S. Wilderness Area in Colorado. The area is comprised of over 118,230 acres of forest.

Grand Mesa National Forest is also located in Garfield County. This forest has a total area of 346,555 acres. It was created by Benjamin Harrison, the 23rd president of the United States, on Dec. 24, 1892. It is an excellent area to take in the majestic views that Colorado has to offer. It is also home to the largest flattop mountain in the world.

In the 21st century, the County’s economy is mainly centered around its hospitality and tourism industries since the Colorado Mountains attract many visitors every year. When it comes to residents, the most common employment industries in the County are the Construction, Healthcare, and Retail Trade industries. Therefore, the most common jobs are in the construction, management, and office administration occupations.

Furthermore, suppose you’re more interested in learning more about the County’s local culture and history. In that case, you can visit the Doc Holliday Museum and Trail, which celebrates the American gunslinger Legend John “Doc” Holliday. Also, there are several cultural opportunities like Cooper Corner Gallery, Art on 8th, and the Glenwood Springs Historical Society & Frontier Museum.                     

Veteran Information

The county is currently home to 2,748 veterans.

  • Perry County is home to two VFW post:
    • Post 9304 Rifle-Edgar Allen Roe-New Castle Post – 851 E 5th St. Rifle, CO 81650.
    • Post 5485 Grand Valley Post – 540 N Parachute Ave. Parachute, CO 81635.
  • VA Medical Centers in the county:
  • County Veteran Assistance Information
    • Garfield County Veterans Service Office – 195 W 14th St, Rifle, CO 81650.

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

Name (ID): CARBONDALE SOUTH (000752)

CARBONDALE CO 81623-0000
Status: Accepted Without Conditions
Request Received Date: 10/09/2018
Review Completion Date: 10/09/2018
Name (ID): HOLLIDAY CONDOS (003158)
Address: 1527 BLAKE AVE

Status: Accepted Without Conditions
Request Received Date: 10/24/2018
Review Completion Date: 11/18/2018

Status: Accepted Without Conditions
Request Received Date: 06/21/2010
Review Completion Date: 12/19/2010

Status: Accepted Without Conditions
Request Received Date: 08/03/2021
Review Completion Date: 02/07/2021

Status: Accepted Without Conditions
Request Received Date: 03/07/2007
Review Completion Date: 03/07/2007
Address: 1506 BENNETT AVE

Status: Accepted Without Conditions
Request Received Date: 04/18/2017
Review Completion Date: 05/02/2017
Address: 2824 HAGER LN

Status: Accepted Without Conditions
Request Received Date: 07/17/2017
Review Completion Date: 07/19/2017