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Umatilla County, Oregon VA Home Loan Information

Table of Contents

FAQ

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 Umatilla 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 Umatilla 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 Umatilla 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 Umatilla 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 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 31st, 2020, the median home value for Umatilla County is $206,927. In addition, the median household income for residents of the county is $51,887.

How much are the VA Appraisal Fees?

  • Single-Family: $775.
  • Individual Condo: $825.
  • Manufactured Homes: $825.
  • 2-4 Unit Multi-Family: $950.
  • Appraisal Turnaround Times: 15 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 Umatilla county, most flood areas are located around the Umatilla River which crosses the cities of Umatilla, Stanfield, Echo, Reith, and Pendleton. In addition, the Umatilla River also floods areas in the Umatilla Indian Reservation.

How do I learn about Property Taxes?

  • The Umatilla county tax assessor’s office is located at 216 SE 4th Street Pendleton, Oregon 97801, or can be reached by calling (541) 276-7111
  • The state of Oregon offers businesses that invest and hire in enterprise zones the option to be exempt from property taxes for at least three years. In addition, the Oregon Investment Advantage program encourages new businesses that are starting as well as the ones who are relocating to the state with various incentives. For example, the program offers income tax subtraction and elimination of state income liability for new businesses for many years.

What is the Population?

  • The county’s population of 77,950 is 65% White, 27% Hispanic, and 4% American Indian.
  • Most county residents are between 18 and 65 years old, with 25% under 18 years old and 16% older than 65.
  • In total, the county has about 26,886 households, at an average of two people per household.

What are the major cities?

The county has twelve cities, including the city of Pendleton which serves as the county seat. Additional significant cities in the county are Adams, Athena, Echo, Helix, Hermiston, Pilot Rock, Stanfield, Ukiah, Umatilla, and Weston.

About Umatilla County

Located on the northern edge of Oregon, Umatilla County is a great place to call home, thanks to its great views and many local resources. The county is home to some of the most beautiful outdoor attractions, perfect for camping and hiking. If you are looking for some fun in your free time, then be sure to visit all the amazing local attractions. Make sure to attend all the exciting events held in the county. Umatilla County was officially founded on September 27, 1862, and was named after the majestic Umatilla River. The current population of the county is 77,516, including a veteran population of 5,552.

Be sure to visit all the scenic outdoor attractions in Umatilla County, where you can enjoy amazing views. The Cold Springs National Wildlife Refuge is the perfect place to get back to nature, featuring miles of scenic trails. Along the trails in the Cold Springs National Wildlife Refuge, you can get great views of local wetlands and wildlife species. Offering excellent views of the Blue Mountains, the Emigrant Springs State Heritage Area offers beautiful camping areas, hiking trails, and more. Other scenic outdoor spots in the county include the Jubilee Lake Campground, Ukiah-Dale Forest, and Wallowa Lake.

People of all ages are sure to have a great time at any of the fun and interesting attractions in Umatilla County. Learn about the history of one of the area’s most popular events at the Round-Up & Happy Canyon Hall of Fame. The Pendleton Center for the Arts is the perfect place for art-lovers, featuring many amazing exhibits, art workshops, and much more. Admission at the Pendleton Center for the Arts is free! Learn about local history by checking out all the amazing exhibits in the Heritage Station Museum. Other great attractions in the county include the Sno Road Winery and the Bronze Trail.

Fun for the whole family is waiting at all the exciting events held in Umatilla County. The Banner Bank Pendleton PBR Classic features an exciting bull-riding competition and is a favorite event of locals. Oktoberfest Pendleton features a multitude of different beer and food options. Other exciting events held in the county include Pendleton Bike Week and Pendleton Whiskey Music Fest.

Veteran Information

The county is currently home to 5,527 veterans, and they all have access to:

Umatilla County is home to two VFW post:

  • Post 922 Let’Er Buck Post – 1221 SE Court Pl, Pendleton, OR 97801.
  • Post 4750 Desert Post – 45 W Cherry Ave. Hermiston, OR 97838.

County Veteran Assistance Information

  • Umatilla County Veteran Services Offices
    • Pendleton – 17 SW Frazer Ave, Ste 282, (541) 667-3123.
    • Hermiston – 435 E Newport Ave. (541) 667-3123.
    • Milton-Freewater – 707 E Broadway (541) 667-3123

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

No VA-approved condos currently exist in Umatilla County, Oregon. However, it is still possible to get a condo through the condo approved and we can help you through the condo approval process, just call us at (877) 432-5626.  

Oregon VA Loan Information: https://www.vahomeloancenters.org/oregon-va-home-loan-limits/

VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/