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Lake County, California VA Loans Info

lake county military homes for saleThe 2019 $0 down, VA home loan limit for Lake County is $484,350.

Abraham Lincoln once said “A man watches his pear-tree day after day, impatient for the ripening of the fruit. Let him attempt to force the process, and he may spoil both fruit and tree. But let him patiently wait, and the ripe pear at length falls into his lap!” Although it cannot be surmised what pear tree President Lincoln was specifically referring to, it can be assumed that the residents of Lake County know a thing or two about pears. Originally, vineyards were planted throughout Lake County in the 1870’s, giving the area a reputation as one of the world’s most formidable wine producers. Sadly, with the implementation of prohibition in the 1920’s many vineyards were ripped out of the ground and replaced with pear and walnut farms.

Formed in 1861 from land that made up Mendocino and Napa counties, Lake County is located north of the San Francisco Bay Area and is home to Clear Lake, the largest lake situated entirely in California. Wine, hiking trails, and national parks are, usually, at the forefront of the general public’s mind when it comes to Lake County.

88 miles north of San Francisco, Clear Lake offers an abundance of boating, fishing, hiking and biking, among other outdoor recreational activities. Some of the cleanest air and breathtaking scenery puts Lake County in the same conversation as any other American county known for its natural environment. Often overlooked, especially with Napa nearby, is the high-quality wine putout by the surviving wineries of Lake County. Called “the undiscovered wine country” local wineries thrive today. New and innovative wineries utilizing sustainable, organic growing principles have continually been award-winners in competitions.

The population of 65,685 expands considerably during the warm summer months when people arrive in droves to take advantage of the beautiful lake and surrounding areas.

The largest city in Lake County is Clearlake, other cities include Lakeport, Lucerne, Cobb, Clearlake Oaks, Nice, Soda Bay, Kelseyville, Upper Lakeport, Whispering Pines and Middletown.

Many small faults lay south of the lake, with the Clear Lake Volcanic Field considered to be the source of heat for the formation of mercury and gold ores originally found in the area. The county is surrounded by hills, making it the only county in California never to have a railroad line.

The median income is $38,147, and the median home price in Lake County is $114,170, which is well below the California average price. This makes Lake County an affordable area for those considering a move to this area.

The county population is 63,860 with about 7,165 veterans living there. These veterans can take advantage of the services provided by the Clearlake VA Outpatient Clinic. Services provided by this clinic include social work, referrals, pharmaceuticals, nutrition, immunizations and primary medical care.

Veteran homeowners in Lake County benefit from property tax exemptions established by the state of California. A veteran’s exemption of up to $4,000 exists for eligible applicants, while a Disabled veterans exemption of up to far greater sums is accessible for disabled veterans with a 100 percent disability rating (injury is service related) and the surviving spouses of disabled veterans.

For exact exemption rates contact the office of the tax assessor in Lake County.

To apply for a VA loan today contact VA Home Loan Centers.

Maximum VA Appraisal Fees Allowable In Lake County:

  • Single Family: $450
  • Condominium: $450
  • Manufactured Housing ( including modular): $450
  • Duplex $500
  • Triplex $600
  • Fourplex $600
  • Repair Certification $100

Are you a Veteran moving to Lake County California?

Lake County, California is home to Clear Lake, the largest natural lake that is located entirely in California. It’s located in the north-central part of the state.

The CalVet Home Loan is another loan option for properties in California. This loan features no down payment and low interest rates.

Lake County VA Homes Property Search

You can use the Lake County VA HLC property search for the following cities: Clearlake, Clearlake Highlands, Clearlake Oaks, Cobb, Hidden Valley Lake, Kelseyville, Lakeport, Loch Lomond, Lower Lake, Lucerne, Middletown, Nice, North Lakeport, Upper Lake and Whispering Pines.

The property search is being updated. Please use the form at the top right to request an email of current VA homes for sale.

VA Approved Condos in Lake County

At this time, there are no VA approved condos in Lake County. If you would like to have VA HLC assist you in condo project approval, please use this link.


  1. California VA Loan Information: https://www.vahomeloancenters.org/california-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/