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 Grant 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 Grant 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 Grant County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
- Get your Certificate of Eligibility (COE)
- Give us a call at (877) 432-5626 and we’ll get your COE for you.
- Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
- 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
- Find a home
- We can help you check whether the home is in one of the Grant County flood zones
- Get the necessary inspections
- Termite inspection: required
- Well or septic inspections needed, if applicable
- Get the home appraised
- We can help you find a VA-Certified appraiser in Grant County and schedule the process
- Construction loan note: Construction permit/appraisal info
- Building permit
- Elevation certificate
- 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.
- 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 Grant County is $150,586. In addition, the median household income for residents of the county is $45,357.
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.
How do I learn about Property Taxes?
- David Thunell is the Grant county tax assessor. His office can be reached at 201 South Humbolt Canyon City, Oregon 97820. In addition, the office can also be reached by calling (541) 575-0107.
- The state of 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 program encourages new businesses that are starting as well as the ones who are relocating to the state with various incentives. For example, the program offers income tax subtraction and elimination of state income liability for new businesses for many years
What is the Population?
- The county’s population of 7,199 is 91% White, 4% Hispanic, and 3% Mixed Race.
- Most county residents are between 18 and 65 years old, with 18% under 18 years old and 31% older than 65.
- In total, the county has about 3,294 households, at an average of 2 people per household.
What are the major cities?
The county has nine cities which include the county seat of Canyon City. In addition, the eight other cities in the county are Dayville, Granite, John Day, Long Creek, Monument, Mount Vernon, Prairie City, and Seneca.
About Grant County
Welcome to the beautiful area of Grant County, which is located in eastern Oregon and is home to many local resources. If you are a fan of the outdoors, then you are sure to enjoy the many scenic outdoor attractions in the area. The county is home to many amazing historical landmarks, many dating back to the early 1900s. Those with children and young adults can be sure their child will receive an excellent education in the county. Grant County was officially founded on October 14, 1864 and was named after President Ulysses S. Grant. 7,176, including a veteran population of 732.
Those that love the outdoors are sure to enjoy in all the scenic natural attractions in Grant County. The Malheur National Forest is home to some of the most beautiful trails, where you can enjoy in excellent hiking and mountain biking opportunities. The Malheur National Forest also features many beautiful waterways and campsites. True nature-lovers are sure to enjoy the North Fork John Day Wilderness, where you can see amazing local wildlife. The North Fork John Day Wilderness also offers views of the majestic Blue Mountains. Other scenic outdoor spots in the county include Strawberry Lake and the Clyde Holliday State Recreation Site.
Visit all the amazing historical landmarks and structures in Grant County, where you can see early American architecture. The James Cant Ranch Historic District is an amazing historic pioneer ranch complex that has been standing since 1915. Visitors to the James Cant Ranch Historic District are offered the opportunity to tour an early 20th-century livestock ranch. The St. Thomas’ Episcopal Church is a beautiful historic church that has been standing in the area since 1876 and was added to the National Register of Historic Places on November 21, 1974. Other historic landmarks in the county include the Fremont Powerhouse and Kam Wah Chung Company Building.
Grant County is home to and nearby many excellent schools and educational resources. Educational resources available in the county include local libraries and afterschool programs. Be sure to attend all the events hosted by the local schools, including stage performances, sporting events, and art showcases.
Several veteran resources are available in the area, including the Grant County Veterans Services Office. The median housing cost in the county is $155,400 and the median household income is $44,826.
Veteran Information
The county is currently home to 7,199 veterans, and they all have access to:
- Grant County is home to one VFW post:
- Post 3597 Grant County – 52155 River Estates Ln, Mount Vernon, OR 97865.
- County Veteran Assistance Information.
- Grant County Veteran Services – 201 S Humbolt Street, Suite 280, Canyon City, OR 97820.
Apply for a VA Home Loan
- 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
There are no VA-approved condos in Grant County although it is still possible to get a condo approved by calling us at (877)432-5626. For more information contact us by, clicking here.
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/
