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 Wasco County
- Veteran Information
- Apply for a VA Home Loan
- VA Approved Condos
FAQ
What is the VA Loan Limit?
2021 VA Home Loan Limit Wasco County is $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 Wasco 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 Wasco County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
- Get your Certificate of Eligibility (COE)
- Give us a call at (877) 432-5626 and we’ll get your COE for you.
- Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
- 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
- Find a home
- We can help you check whether the home is in one of the Wasco County flood zones
- Get the necessary inspections
- Termite inspection: required
- Well or septic inspections needed, if applicable
- Get the home appraised
- We can help you find a VA-Certified appraiser in Wasco County and schedule the process
- Construction loan note: Construction permit/appraisal info
- Building permit
- Elevation certificate
- 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.
- 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 Wasco County is $249,436. In addition, the median household income for residents of the county is $50,973
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.
How do I learn about Property Taxes?
- The Wasco county tax assessor’s office can be reached at 511 Washington Street, Suite 208 The Dalles, Oregon 97058. In addition, the office can also be reached by calling (541) 506-2510.
- 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 26,682 is 73% White, 19% Hispanic, and 4% American Indian.
- Most county residents are between 18 and 65 years old, with 22% under 18 years old and 21% older than 65.
- In total, the county has about 10,266 households, at an average of two people per household.
What are the major cities?
There are six incorporated cities with the city of The Dalles serving as the county seat. In addition, the other five cities in the county are Antelope, Dufur, Maupin, Mosier, and Shaniko.
About Wasco County
Wasco County, Oregon was named after the Wascopam Tribe who lived in the area for hundreds of years before European arrival, the county was established in 1854 from parts of Clackamas, Lane, Linn, and Marion Counties. In addition, at the time of the county’s establishment, the county seat was also established in the town of The Dalles, which was already known as the end of the Oregon Trail and an important trading hub for early inhabitants of the area.
Today, The Dalles still serves as the trading hub of north-central Oregon with the most important industries in the counties being agriculture, lumber, transportation, and tourism. Moreover, the county’s biggest employment industries are healthcare, retail trade, and agriculture/ forestry.
In addition to its existing industries, the county is also home to the Wasco County Economic Development Commission which focuses on supporting the economic development of the county. It achieves this goal by collaborating and providing technical assistance to growing businesses, and by addressing the needs throughout the county.
When it comes to education, the county is served by three school districts that have thirteen K-12 schools in total. In addition, the county is home to Columbia Gorge Community College which offers two-year associate degree and certification programs.
In addition,, the county is also home to several historical and cultural institutions. For example, the Columbia Gorge Discovery Center & Museum, the Fort Dalles Museum, and the Pulpit Rock which was used by Methodist missionaries to preach to the Indians, all serve to display and understand the county’s history.
Finally, leisure and recreation are also available within the county with W.E. Hunt Park which provides a picturesque park where several amenities are offered. These include camping locations, picnic tables, and a 25-acre open field for group activities. Furthermore, the Wasco County Fairgrounds are located right next to the park and allow for up to 1,000 people to camp overnight.
Veteran Information
The county is currently home to 2,294 veterans, and they all have access to:
- Wasco County is home to one VFW post:
- Post-2471 Willard Anderson Post – 700 Veterans Drive, The Dalles, OR 97058.
- VA Medical Centers in the county:
- Loren R. Kaufman VA Clinic – 704 Veterans Drive, The Dalles, OR 97058.
- County Veteran Assistance Information
- Wasco County Veterans Services – 201 Federal Street, The Dalles, OR 97058.
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 currently no VA-approved condos in Wasco 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.
Links
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/
