Stanislaus County, California VA Home Loan Information

Table of Contents

• What is the VA Loan Limit?
• How to Apply for a VA Home Loan?
• What is the Median Home Price?
• What are the VA Appraisal Fees?
• Do I need Flood Insurance?
• How do I learn about Property Taxes?
• What is the Population?
• What are the major cities?
• About Stanislaus County
• Veteran Information
• Apply for a VA Home Loan
• VA Approved Condos

FAQ

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 Stanislaus County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA mortgage 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 Stanislaus 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 Stanislaus 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 Stanislaus 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^st, 2021, the median home value for Stanislaus County is $379,993. In addition, the median household income for residents of the county is $60,704.

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 Stanislaus County, most of the flood hazard areas are located around the Tuolumne River, the San Joaquin River, and the Stanislaus River. The latter of which also serves as the northern border of the county.

How do I learn about Property Taxes?

• Don H. Gaekle is the Stanislaus county tax assessor. His office can be reached at 1010 10^th Street, Ste. 2400 Modesto, California 95354. In addition, his office can also be reached by calling (209) 525-6461.
• 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 in further diversifying the state’s economy.

What is the Population?

• As of 2019, Stanislaus County’s population is 550,660 which has increased about 7% in the last decade Moreover, demographically speaking, 47% of the population is Hispanic, with 41% White, and 6% Asian.
• Most county residents are between 18 and 65 years old, with 27% under 18 years old and 13% older than 65.
• In total, the county has about 172,682 households, with an average of three people per household.

What are the major cities?

The county has nine incorporated cities, including the city of Modesto which serves as the county seat. In addition, the eight other cities in the county are Ceres, Hughson, Newman, Oakdale, Patterson, Riverbank, Turlock, and Waterford.

About Stanislaus County

The first European to reach the county was an explorer named Gabriel Moraga who saw the area in 1806. Eventually, Stanislaus County was named after the Estanislao River, which was itself named in honor of the mission-educated Native American chief who led a series of battles against the Mexican troops until his eventual defeat by General Mariano Vallejo in 1826.

Today, many of the county’s residents have moved to the area from San Francisco due to the more affordable housing. This increase in population has led to a growth in the local economy and employment industries like manufacturing, healthcare, and retail trade. Therefore, the most common occupations in the county are in the sales, office, and management occupations.

In addition to its growing workforce, the county is also home to a strong educational system with its 24 school districts, which offer education for students pre-k to 12^th grade. Furthermore, the county is also home to higher education institutions like Modesto Junior College, California State University-Stanislaus, and Brightwood College-Modesto.

Stanislaus county is also a great place for the arts and entertainment industries with facilities like the Carnegie Arts Center, the Gallo Center for the Arts, and the Turlock Community Theater. Moreover, the county is also home to several museums like the McHenry Museum, and the Great Valley Museum of Natural History.

Finally, the county is also a great place for people who enjoy the outdoors with hiking areas like Red Hills Loop and Knights Ferry. Lake activities are also available at Lake Don Pedro, Woodward Reservoir, and Modesto Reservoir. The county offers everything from a growing economy, a big education system, as well as various recreational areas. Making it a great place to call home and raise a family.

Veteran Information

The county is currently home to 21,985 veterans.

• Stanislaus County is home to five VFW post:
  • Post 10293 Lloyd R. Smith – 2609 Lawrence St. Ceres, CA 95607.
  • Post 3199 Modesto – 2801 W. Hatch Rd. Modesto, CA 95358.
  • Post 5059 Joe Velasquez – 1405 E Linwood Ave. Turlock, CA 95380.
  • Post-2922 Romain Schell – 800 S Yosemite Ave. Oakdale, CA 95361.
  • Post 9679 John W. Rash. Jr – 540 C St. Waterford, CA 95386.
• VA Medical Centers in the county:
  • Modesto Clinic – 1225 Oakdale Road, Modesto, California 95335.
• County Veteran Assistance Information
  • Stanislaus County Veteran’s Service Office – 3500 Coffee Rd. #19, Modesto, CA 95357.

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

Name (ID): BALBOA PARK CONDOMINIUMS (007400) Address:  TURLOCK CA 95380 STANISLAUS Status: HUD Accepted Request Received Date: 05/03/2006 Review Completion Date: 05/03/2006

Name (ID): BUTTONWILLOW CONDOMINIUMS (007473) Address:  MODESTO CA 95355 STANISLAUS Status: HUD Accepted Request Received Date: 02/13/2007 Review Completion Date: 02/13/2007

Name (ID): CAMPOS VERDE (000381) Address: 617 W GRANGER AVE #45 MODESTO CA 95350 STANISLAUS Status: Accepted Without Conditions Request Received Date: 04/01/2019 Review Completion Date: 06/24/2019

Name (ID): IVY TERRACE (000154) Address: IVY AVE PATTERSON CA 95363 STANISLAUS Status: Accepted Without Conditions Request Received Date: 06/24/2015 Review Completion Date: 07/15/2015

Name (ID): MISSION VILLAGE ADULT COMMUNITY (000451) Address: 1401 TRINITY WAY TURLOCK CA 95382 STANISLAUS Status: Accepted Without Conditions Request Received Date: 03/03/2020 Review Completion Date: 03/12/2020

Name (ID): NORMANDY PARK HOMEOWNERS ASS. (000498) Address: 3425 COFFEE ROAD SUITE 1B MODESTO CA 95355 STANISLAUS Status: Accepted Without Conditions Request Received Date: 08/19/2020 Review Completion Date: 08/26/2020

Name (ID): NORTHLAKE (000358) Address: 1313 FLOYD AVE MODESTO CA 95355 STANISLAUS Status: Accepted Without Conditions Request Received Date: 11/29/2018 Review Completion Date: 12/10/2018

Name (ID): SEQUOIA GATE (008046) Address: AT BRIDLE RIDGE OAKDALE CA 95361 STANISLAUS Status: Accepted Without Conditions Request Received Date: 11/06/2008 Review Completion Date: 11/12/2008

Name (ID): VILLAS AT CREEKSIDE (000394) Address: 1932 WEST ORANGEBURG AVE MODESTO CA 95350 STANISLAUS Status: Accepted Without Conditions Request Received Date: 05/09/2019 Review Completion Date: 06/26/2019

Links

California VA Loan Information

VA Loan Information by State