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Sierra 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 Sierra 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 Sierra 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 Sierra 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 Sierra 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 31st, 2021, the median home value for Sierra County is $258,015. In addition, the median household income for residents of the county is $52,148.

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 Sierra County, there aren’t many flood hazard areas other than areas around Davies creek north of the Stampede Reservoir.

How do I learn about Property Taxes?

  • Laura Marshall is the Sierra county tax assessor. Her office can be reached at 100 Courthouse Square, Room B1 P.O. Box 8 Downieville, California 95936. In addition, her office can also be reached by calling (530) 289-3283.
  • The state of California offers various incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are California Competes Tax Credit which offers qualifying businesses tax credit and the New employment Credit program which offers a tax credit for taxpayers who hire full-time employees. These and many other programs help to further diversify the state’s economy.

What is the Population?

  • As of 2019, Sierra County’s population is 3,005 which includes 235 veterans Moreover, demographically speaking, 82% of the population is White, with 12% Hispanic, and 2% American Indian.
  • Most county residents are between 18 and 65 years old, with 16% under 18 years old and 32% older than 65.
  • In total, the county has about 1,241 households, with an average of two people per household.

What are the major cities?

The county has one city, and ten census-designated places the city of Downieville which serves as the county seat.

About Plumas County

Located in the Sierra Nevada mountains, the county was established in 1852, on land that was once home to the Washoe and the Miwok people. Archeological evidence shows that the area where the county is located had been inhabited for at least 5,000 years.

Eventually, in 1844, the first European Americans arrived in the area after making their way up the Truckee River. By 1847, there was increased migration to the area and in 1848 there was a boom in the local population after the discovery of gold in California.

Today, residents of the county tend to have jobs in the construction, public administration, and health care industries. As a result, the most common types of occupations in the county are in management, construction, and office administrative support.

When it comes to education, the county is home to the Sierra-Plumas Joint Unified School District. This is the only school district in the county and currently has about 411 students in its four educational institutions.   

Furthermore, in addition to its education and workforce, the county is also home to various parks and recreational opportunities. Some of these parks are Alleghany Park, Downieville Visitor Center, Kentucky Mine Museum, and Park.

Veteran Information

The county is currently home to 292 veterans.

  • County Veteran Assistance Information
    • Sierra County Veteran’s Service Office – 270 County Hospital Road, Suite 206, Quincy, CA 95971.

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

There are no VA-approved condos available in Sierra County. Although if you’re still interested in getting a condo through the approval process, call us at (877) 432-5626.

California VA Loan Information

VA Loan Information by State