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Los Angeles, 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 $822,375* (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 Los Angeles 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 Los Angeles 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 Los Angeles 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 Los Angeles 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 Los Angeles County is $734,143. In addition, the median household income for residents of the county is $68,044.

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 Los Angeles County there are flood plains along the river and in many of the low-lying parts of the cities. Your agent can help you determine whether you’d be required to purchase flood insurance on a particular property.

How do I learn about Property Taxes?

  • The Los Angeles County Tax Assessor is Jeffrey Prang. His office is located at Kenneth Hahn Hall of Administration 500 W. Temple Street Room 225 Los Angeles, CA 90012-2770
  • 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 10,039,107 is 48% Hispanic, 26% White, and 15% Asian.
  • Most county residents are between 18 and 65 years old, with 21% under 18 years old and 14% older than 65.
  • In total, the county has about 3,316,795 households, with an average of 2.9 people per household.

What are the major cities?

The major city in Los Angeles County is, of course, the county seat in the City of Los Angeles. However, LA isn’t the be-all, end-all of the county. All told, there are 88 cities in the county – and that’s not including the unincorporated communities. Notable cities are Burbank, Glendale, Pomona, and Long Beach.

About Los Angeles County

When people hear of Los Angeles County, they immediately think of Sunset Boulevard, Hollywood, movie and recording industry stars, and glamour. But there’s another side of Los Angeles County – one that many veterans are familiar with, and that includes Edwards Air Force Base, Los Angeles Air Force Base, and the USAF Space Command’s Space and Missile Systems Center (SMC). Los Angeles County is also a wonderful place to raise a family, with many cities and areas in the surrounding communities that offer good schools, beautiful homes, and enjoyable quality of life.

Los Angeles is the most populous county in the United States, and the city of Los Angeles is known for its diverse ethnic cultural centers, the entertainment industry, a gorgeous coastline on the Pacific Ocean, and majestic mountains around the area. Speaking of population, Los Angeles County’s population is exceeded only by eight states.

Often called the “Creative Capital of the World,” almost one in every six residents in Los Angeles County works in a creative industry. In fact, there are more artists, writers, filmmakers, actors, and musicians living and working in Los Angeles County than anywhere else.

It’s home to Hollywood, recognized worldwide as the center of the motion picture industry. Culturally, Los Angeles County is one of the top centers in the United States, with 841 museums and art galleries – more museums per capita than any other city in the world!

LA County has more than 87,000 jobs related to the fashion industry, which makes it larger than New York’s fashion district workforce! And speaking of large – Los Angeles itself has the largest government center outside of Washington, D.C.

For sports fans, Los Angeles offers a wide array of sports for every taste – from pro basketball to hockey some of the top college basketball teams in the country. There is currently no NFL football team, but a stadium is being built and will be ready in 2016, and there are hopes that an expansion team will be brought to the County.

Los Angeles County features a very robust economy and business community, which is driven mostly by international trade, television, motion pictures, video games, and music recordings, plus aerospace, technology, fashion, and tourism.

Veteran Information

The county is currently home to 261,742 veterans.

  • Military Bases
  • Los Angeles County is home to 24 VFW post:
    • Post 1013 CPL. Guy Gabaldon Post – 5332 Stevens Place, Commerce, California 90040.
    • Post 1732 Sgt. Nicolas Godoy Sr. Post – 4900 Southern Ave. South Gate, California 90280.
    • Post 2122 Pfc. Adrienne L. Mitchell Post – 330 Centinela Ave. Inglewood, California 90302.
    • Post 8310 U.S.S. Gudgeon – 1006 W. Magnolia Blvd, Burbank, California 91506.
    • Post 7734 Lt. Ray L. Musgrove Post – 9128 East Bermudez Street, Pico Rivera, California 90660.
    • Post 6315 Vincent D Solorzano Post – 4865 Durfee Ave. Pivo Rivera, California 90660.
    • Post 10218 Greater El Monte Post – 11126 Ramona Blvd. El Monte, California 91731.
    • Post 2075 Hawthorne Post – 4563 W 131 Street, Hawthorne, California 90250.
    • Post 1961 Gardena Nisei Memorial Post – 1964 W 162nd Street, Gardena, California 90247.
    • Post 3261 General William Stark Rosecrans Post – 1822 W 162nd Street, Gardena, California 90247.
    • Post 3208 Lt. Kenneth Bell Post – 220 East Sierra Madre Blvd. Sierra Madre, California 91024.
    • Post 5394 Howard Martin Richardson Post – 303 East Palmer Street, Compton, California 90221.
    • Post 2070 Arcadia-Monrovia Post – 825 South Magnolia Ave. Monrovia, California 91016.
    • Post 7243 Clyde R. Zuver Post – 12064 Centralia Road, Hawaiian Gardens, California 90716.
    • Post 10166 Carson Post – 20820 South Vermont Avenue, Torrance, California 90502.
    • Post 8620 West Covina Post – 2328 West Merced Ave. West Covina, California 91790.
    • Post 9148 La Mirada Post – 13932 Valley View Ave. La Mirada, California 90638.
    • Post 2828 Rocky Versace Beach Cities Post – 1000 North Catalina Ave. Redondo Beach, California 90277.
    • Post 3834 Juan M. Alvarez Jr. Post – 111 North Hangar Street, San Fernando, California 91340.
    • Post 1622 Lomita Hall Post – 1865 Lomita BLVD. Lomita, California 90717.
    • Post 8070 Azusa Post – 250 East 1st Street, Azusa, California 91702.
    • Post 12034 Band of Brothers Post – 1550 Bonita Ave. La Verne, California 91750.
    • Post 3552 Richard K. Carlson Post – 39463 10th Street, Palmdale, California 93550.
    • Post 4682 Island Outpost Post – 205 Crescent Ave. Avalon, California 90704.
  • 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 Los Angeles Condos

California VA Loan Information

VA Loan Information by State