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 Harney 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 Harney 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 Harney 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 Harney 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 Harney 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 Harney County is $112,390. In addition, the median household income for residents of the county is $41,797.
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?
- Karen Zabala is the Harney county tax assessor. Her office can be reached at 450 North Buena Vista #13 Burns, Oregon 97720. In addition, her office can also be reached by calling (541) 573-8367.
- 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 7,393 is 86% White, 5% Hispanic, and 4% American Indian.
- Most county residents are between the ages of 18 and 65, with 20% under 18 years old and 25% older than 65.
- In total, the county has about 3,157 households, at an average of two people per household.
What are the major cities?
The county has two cities, Hines and Burns, the latter of which serves as the county seat.
About Harney County
Harney County is located on the southern edge of Oregon and is the perfect place for people of all ages to live, grow, and thrive. Make sure to visit all the beautiful outdoor spots in the county for excellent views of local wildlife. If you are interested in local history, then be sure to check out all the amazing historical landmarks in the area. People of all ages are sure to have a great time at any of the local events. Harney County was officially founded on February 23, 1889, and was named after the military officer, William S. Harney. The current population of the county is 7,329, including a veteran population of 844.
Harney County is home to many beautiful outdoor attractions that offer some of the best views of the local landscape. The Malheur National Wildlife Refuge is the perfect place to see local wildlife, featuring miles of scenic trails, views of local wetlands, and much more. Enjoy in all your favorite aquatic activities, including boating and fishing, at the Chickahominy Reservoir. The Chickahominy Reservoir is home to miles of beautiful beaches, perfect for fishing and picnics. Other scenic outdoor attractions in the area include Mann Lake, Pueblo Mountain, Alvord Lake, and many more.
Don’t miss out on any of the amazing historical landmarks and structures in Harney County. The Allison Ranger Station is a collection of historic rustic structures dating back to 1911. The Donnelly Cabin is the oldest ranger station building and was added to the National Register of Historic Places in 1980. The Frenchglen Hotel State Heritage Site features an amazing historic hotel that has been standing since 1924 and was added to the National Register of Historic Places on November 15, 1984. Other historic landmarks in the county include the Sod House Ranch, Pete French Round Barn, and Double-O Ranch Historic District.
A fun time for the whole family is waiting at all the exciting events held in Harney County. The County Arts in Education Foundation hosts a variety of fun and interesting events throughout the year, including art workshops, concerts, films, and much more. Other fun events held in the area include Country Music Jamboree, County Fair, and many more.
Several veteran resources are available in the area, including the VA Burns Clinic. The median housing cost in the county is $111,900 and the median household income is $39,504.
Veteran Information
The county is currently home to 806 veterans, and they all have access to:
- County Veteran Assistance Information.
- Harney County Veterans Office – 17 S. Alder Avenue, Burns, OR 97720.
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 Harney 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/
