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Kings 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 Kings 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 Kings 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 Kings 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 Kings 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 Kings County is $268,511. In addition, the median household income for residents of the county is $57,848.

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 Kings County, flood zones are mostly confined to low-lying agricultural areas. However, your agent can help you determine whether a property would require flood insurance

How do I learn about Property Taxes?

  • Kristine Lee is the current tax assessor for Kings County. Her office is at 1400 West Lacey Blvd. Hanford, California 93230 and can be reached at (559) 852-2486.
  • The state of California offers incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are the California Competes Tax Credit which offers qualifying businesses with a tax credit, and the New employment Credit which offers a tax credit for taxpayers who hire full-time employees. Furthermore, the state offers several other incentives.

What is the Population?

  • The county’s population of 152,940 is 55% Hispanic, 31% White, and 7.5% Black.
  • Most county residents are between 18 and 65 years old, with 27% under 18 years old and 10% older than 65.
  • In total, the county has about 43,452 households, with an average of three people per household.

What are the major cities?

The County has four cities, including the city of Hanford, which serves as the county seat. The three other cities in the County are Avenal, Corcoran, and Lemoore.

About Kings County

Kings County is very welcoming to homebuyers. The City of Hanford has a program for first-time homebuyers. Under the HOME Sweet Home Program, you can borrow up to $75,000 for a down payment and/or closing costs for a home within Hanford City Limits. There are also programs to help with emergency repairs and water utility payments.

Despite being largely rural, there are good educational opportunities in Kings County. The county is home to 34 elementary schools, 6 traditional high schools, and 12 alternative high school programs. In addition, the county department of education offers interactive video classes as a part of their distance education program.

Life in Kings County is very connected to the land. In addition to farms and orchards, the county is home to a UC Cooperative Extension, which runs a 4-H Program and a Master Gardener Program. These programs teach both kids and adults about farming, agriculture, and gardening.

Another artistic base in the County is the Clark Center for Japanese Art and Culture. In addition to its art collection, the Center is also home to the Friendship Garden. This beautiful garden is a great place to relax and take in different plants and new landscapes.

In the end, whether it’s the quiet life, the many gardens, and museums, or the buzzing arts scene, there is a lot to enjoy about life in Kings County, California.

Veteran Information

The county is currently home to 9,684 veterans.

  • Kings County is home to one VFW post:
    • Post 5869 Nisei Liberty Post – 401 North Irwin Street, Hanford, California 93230.
  • VA Medical Centers in the county:
    • Intake Site at Lemoore Naval Air Station – Lemoore, California 93246.
  • 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


Status: Accepted Without Conditions
Request Received Date: 02/19/2007
Review Completion Date: 02/25/2007

California VA Loan Information

VA Loan Information by State