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Shasta 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 Shasta 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 Shasta 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 Shasta 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 Shasta 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 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 Shasta County is $321,949. In addition, the median household income for residents of the County is $54,667.

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 Shasta County, areas near the Sacramento River and low-lying parts of Redding are most likely to be in flood zones. Your agent can help you check a property’s flood risk.

How do I learn about Property Taxes?

  • Leslie Morgan is the current tax assessor for Shasta County. Her office can be reached at 1450 Court Street, Ste 208A Redding, California 96001.
  • Disabled Veterans, senior citizens, and homeowners can all qualify for some property tax exemptions in Shasta County. You can find out whether you are eligible through the Assessor’s Office.

What is the Population?

  • The County’s population of 180,080 is 79% White, 10% Hispanic, and 4.6% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 21.6% under 18 years old and 21.1% older than 65.
  • In total, the County has about 71,181 households, with an average of 2.4 people per household.

What are the major cities?

The County has three cities, including the city of Redding, which serves as the county seat. The two other cities in the County are Anderson and Shasta Lake.

About Shasta County

Shasta County gets its name from Mount Shasta and the beautiful lake at its base. With a total population of 177,223, Shasta County offers plenty of room to appreciate the country’s atmosphere. That’s because the population is spread out between Anderson, Redding, and Shasta Lake City.

This County is best known for its beautiful forests, impressive mountains, and vast lakes. Shasta Lake is the third-largest body of water in California. What’s more, over half of Shasta County is made up of national forest land. This makes it an excellent place for hiking, fishing, and relaxing by the water. Residents make the most of their lake with boating, waterskiing, wakeboarding, and tubing.

In addition to its beautiful scenery, Shasta County also has a rich local history. From petroglyphs to pioneer settlements, Shasta’s history is well-documented throughout the region.

As for education in Shasta County, there are plenty of elementary and high schools to choose. The County also offers programs for independent study, STEM education, and environmental science. There’s even a college scholarship opportunity for students who attend all four years of high school in Shasta County.

Veteran Information

The County is currently home to 13,808 veterans.

  • Shasta County is home to three VFW post:
    • Post-1934 Redding Post – 1251 Oregon Street, Redding, California 96001.
    • Post 9650 H. D. Christensen Post – 3210 West Center Street, Anderson, California 96007.
    • Post 5689 Burney Intermountain Post – 37410 Main Street, Burney, California 96013.
  • 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 Condos


Status: Accepted Without Conditions
Request Received Date: 01/08/2006
Review Completion Date: 01/18/2006

California VA Loan Information

VA Loan Information by State