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Mendocino County, California VA Loans Information

Table of Contents


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 Mendocino 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 Mendocino 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 Mendocino 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 Mendocino 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 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 Mendocino County is $461,572. In addition, the median household income for residents of the county is $51,416.

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 Mendocino County, there are many flood plains, especially in the low-lying areas. Your agent can help you to check whether a property will require flood insurance.

How do I learn about Property Taxes?

  • For questions about property tax, you can get in touch with the Mendocino County Assessor, Katrina Bartolomei. Her office is located at 501 Low Gap Road, Room 1020, Ukiah, CA 95482 or by calling (707) 234-6800.
  • You can contact the Assessor about appraisals or see if you qualify for property tax exemptions. The county offers them for disabled veterans, homeowner-occupiers, or senior citizens. Buyers can also apply to have the value of existing solar panels excluded from the assessment. 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 86,749 is 64% White, 25% Hispanic, and 6% American Indian.
  • Most county residents are between 18 and 65 years old, with 21% under 18 years old and 23% older than 65.
  • In total, the county has about 34,090 households, with an average of 2 people per household.

What are the major cities?

The largest city in Mendocino County is the county seat at Ukiah, which has a population of 16,075. The next-largest city is Fort Bragg, with a population of 7,273. The other cities and communities all have fewer than 5,000 residents.

About Mendocino County

Mendocino County, California is located on the Northern California coast. The county can be divided into three regions: the coast, the forest, and the inland mountains and valleys. Along the coast, you’ll see a rocky shoreline and scattered pristine beaches. Further inland is alpine lakes. Finally, there are the magnificent redwood forests that make Northern California famous.

Life in Mendocino County is informed by the diversity of the local landscapes. For example, Talmadge is known as the City of 10,000 Buddhas. That’s because it is home to one of the largest monasteries in the western hemisphere.

Meanwhile, down on the coast, residents celebrate the Mendocino Whale Festival each March. This 3-week celebration welcomes the California grey whale on its southward migration and is a great chance to get a taste of the local cuisine. You can enjoy chowder, crab, or beer from one of the many local venues – plus an ocean view.

Veteran Information

Mendocino County is currently home to 6,053 veterans.

  • Mendocino County is home to one VFW post:
    • Post 1900 Ukiah – 293 Seminary Ave. Ukiah, CA 95482.
  • VA Medical Centers in the county:
    • Ukiah VA Clinic – 630 Kings Court, Ukiah, CA 95482.
  • County Veteran Assistance Information
    • Mendocino County Veterans Services – 405 Observatory Ave. Ukiah, CA 95482.

VA Home Loan Information

  • 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

There are currently no VA-approved condos available in Mendocino County. Although it is still possible to get a condo through the condo approval process. Call us at (877) 432-5626 and we will assist you through the process.