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Josephine County, Oregon VA Home Loan Information

Table of Contents

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 Josephine 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 Josephine 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 Josephine 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 Josephine 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 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 September 30, 2020, the median home value for Josephine County is $316,551. In addition, the median household income for residents of the county is $43,046.

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: 10 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 Josephine County, there are flood hazard areas around the rogue River and Applegate River, especially in low elevation areas. In addition, Holton Creek and its southern forks both contain flood hazard areas.

How do I learn about Property Taxes?

  • Constance L. Roach is the Josephine county tax assessor. Her office is located at 500 NW 6th street, Dept. 3 Grants Pass, Oregon 97526, and can be reached by calling (541) 474-5260.
  • 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 87,487 is 86% White, 8% Hispanic, and 3% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 19% under 18 years old and 26% older than 65.
  • In total, the county has about 35,978 households, at an average of 2 people per household.

What are the major cities?

The county has two cities, Cave Junction and Grant-Pass, the latter of which is the county seat

About Josephine County

Located on the southwestern edge of Oregon, Josephine County is home to some of the best views of the Oregon landscape. Be sure to visit all the fun and interesting attractions in the area, including museums, golf courses, and art galleries. Those that love the outdoors are sure to enjoy the scenic natural attractions in the area, including lakes and parks. Fun for people of all ages is waiting at all the exciting events held in the county. Josephine County was officially founded on January 22, 1856, and is likely named after the majestic Josephine Creek. The current population of the county is 87,393, including a veteran population of 8,721.

Have a great time at all the fun and interesting attractions in and nearby Josephine County. Great Cats World Park is home to a multitude of amazing wildlife species, including tigers, leopards, and many more. Great Cats World Park hosts a variety of special events and educational programs. For great views and a variety of delicious wines, be sure to visit Schmidt Family Vineyards, which also features a full menu and live entertainment. See all the amazing art pieces housed within the Glass Forge Gallery & Studio LLC. Other great attractions in the area include the Grants Pass Museum of Art and Foris Vineyards.

True nature-lovers can’t miss out on any of the scenic outdoor attractions in Josephine County. Illinois River Forks State Park is home to some of the best views of the local landscape and features scenic trails and beautiful campsites. The scenic waterways in Illinois River Forks State Park are great for canoeing, kayaking, fishing, and more. Visit the beautiful shores of Lake Selmac for a relaxing day of fishing or a picnic. Other beautiful outdoor spots in the area include Riverside Park, Indian Mary Park, Red Buttes Wilderness, and many more.

For great food and amazing live entertainment, be sure to attend all the exciting events held in Josephine County. The annual speedboat race known as Boatnik brings out plenty of the local community to enjoy in beautiful boats and a fun day on at Riverside Park. The annual “Back to the ’50s” Celebration features great food, classic cars, and live music. See amazing local art at First Friday Art Nights.

Veteran Information

The county is currently home to 8,955 veterans, and they all have access to:

  • Josephine County is home to one VFW post:
    • .Post 2302 Del Rogue – 1830 Redwood Ave. Grant Pass, OR 97527.
  • VA Medical Centers in Josephine County
    • Grant Pass West VA CBOC – 1877 Williams Highway, Grant Pass, OR 97527.
    • Grant Pass Vet Center – 135 NE Steiger Street, Grant Pass, OR 97526.
  • County Veteran Assistance Information.
    • Josephine Veterans Service Office – 500 NW 6th Street, Dept. 15, Grant Pass, OR 97526.

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

Name (ID): KINSINGTON COURT CONDOMINIUM (000578)
Address: 
802 SW KINSINGTON CT
GRANT PASS OR 97526
JOSEPHINE
Status: Accepted Without Conditions
Request Received Date: 07/25/2019
Review Completion Date: 01/08/2020

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/