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Humboldt County, California VA Home Loan Information

Table of Contents


What is the VA Loan Limit?

2021 VA Home Loan Limit: $0 down up to $5,000,000* (Subject to lender limits) /2 open VA loans at one time $548,250* (Call 888-573-4496 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 Humboldt County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house 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 Humboldt 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 Humboldt 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 Humboldt County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock in your interest rates
    • 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 March 31, 2021, the median home value for Humboldt County is $360,353. In addition, the median household income for residents of the county is $48,041.

How much are the VA Appraisal Fees?

  • Single-Family: $600.
  • Individual Condo: $600.
  • Manufactured Homes: $600.
  • 2-4 Unit Multi-Family: $850.
  • 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.
  • In Humboldt County, flood zones are along the coast and in many of the unincorporated areas. In addition, the County has special regulations on development in coastal zones.

How do I learn about Property Taxes?

  • Mari A. Wilson is the current tax assessor for Humboldt County, California. Her office can be reached at 825 5th Street, Room 300, Eureka, California 95501.
  • Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.

What is the Population?

  • The county’s population of 135,558 is 73% White, 12% Hispanic, and 5.7% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 18.9% under 18 years old and 18.6% older than 65.
  • In total, the county has about 54,679 households, with an average of 2.4 people per household.

What are the major cities?

The County has seven cities, including the city of Eureka, which serves as the county seat. The six other cities in the County are Arcata, Blue Lake, Ferndale, Fortuna, Rio Dell, and Trinidad.

About Humboldt County

Humboldt County is a nature lover’s paradise. It’s home to the second-largest natural bay in California, with over 14 state parks, plus beaches, wildlife preserves, and historic parks. Its location is unique, as the Pacific Ocean meets up with wildlife refuges and includes really old trees.

Additionally, Humboldt County is home to the second-largest natural bay in California. Humboldt Counties’ interior is made up of over 40% old-growth Redwood forests. There are over 14 state parks, beaches, wildlife preserves, and historic parks located in Humboldt County. Humboldt is unique in that the Pacific Ocean meets protected wildlife refuges as well as trees over 400 years old.

Some of the cities located in Humboldt County include Arcata, Eureka, Ferndale, Rio Dell, and Trinidad. Cities like Ferndale used to be forestry company towns, and have many historic homes and buildings located there

Daily life in Humboldt County offers plenty of cultural and social activities. For example, you can head over to the Ink People Center for the Arts to appreciate local artists or maybe even display some work of your own. The Eureka Arts & Culture Commission supports the local arts scene and helps to bring great exhibitions and events to the city.

Also, jazz lovers won’t want to miss the annual Redwood Coast Jazz Festival. This festival is one of the largest on the West Coast and attracts acts from all over. In addition, the Blues by the Bay Festival celebrates local blues musicians.

Veteran Information

The county is currently home to 8,079 veterans.

  • Humboldt County is home to five VFW post:
    • Post 1872 The Redwood Empire Post – 1018 H Street, Eureka, California 95501.
    • Post 2207 Sunset Post – 1426 Main Street, Fortuna, California 95540.
    • Post 6353 Kenneth Rasmussen Post – 1100 Main Street, Ferndale, California 95536
    • Post 9561 Ironside Post – 20 Kimtu Road, Willow Creek, California 95573.
    • Post 6354 South Humboldt Post – 2005 Sprowl Creek, Garberville, California 95542.
  • VA Medical Centers in the county:
  • County Veteran Assistance Information

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

Currently, there are no VA-approved condos available in Humboldt County. However, it is possible to get a condo through the approval process by calling (877) 432-5626 where our team of real estate experts can help through the process. 

California VA Loan Information

VA Loan Information by State