Washington County, Oregon VA Loan Information

Name (ID): AMBERGLEN COURTYARDS (000537)
Address: 
2088 NW CADBURY AVE
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/09/2018
Review Completion Date: 01/23/2018 Name (ID): ARBOR CROSSING (000421)
Address: 
@ QUATAMA
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/26/2010
Review Completion Date: 05/06/2018 Name (ID): ARBOR CROSSING @ QUATAMA (002263)
Address: 
PHASE 1-11
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 02/25/2009
Review Completion Date: Unavailable Name (ID): ARBOR CROSSING @ QUATAMA (02263A)
Address: 
PH 12 BLDS 33,52
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/22/2009
Review Completion Date: Unavailable Name (ID): ARBOR PASS CONDOS (002218)
Address: 
PH 1-4 BL 9-19,29-31
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 12/09/2008
Review Completion Date: 12/09/2008 Name (ID): ARBOR PASS CONDOS (02218A)
Address: 
ALL PHASES
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/21/2010
Review Completion Date: 06/21/2010 Name (ID): ARBOR PASS CONDOS (02218A)
Address: 
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/21/2010
Review Completion Date: Unavailable Name (ID): AUTUMN RESERVE (000450)
Address: 
CONDOMINIUMS PHASE 5
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/03/2013
Review Completion Date: 07/16/2013 Name (ID): AUTUMN RESERVE (000455)
Address: 
CONDOMINIUM, PHASE 6
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/15/2013
Review Completion Date: 10/14/2013 Name (ID): AUTUMN RESERVE CONDOMINIUM (000439)
Address: 
PHASE 2
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/26/2012
Review Completion Date: 12/16/2012 Name (ID): AUTUMN RESERVE CONDOMINIUM (000445)
Address: 
PHASE 4, BLDGS 2, 8 & 11
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 04/09/2013
Review Completion Date: 05/01/2013 Name (ID): AUTUMN RESERVE CONDOMINIUM (000442)
Address: 
PHASE 3
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/16/2013
Review Completion Date: 03/10/2013 Name (ID): AUTUMN RESERVE CONDOMINIUMS (000438)
Address: 
PHASE 1
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/13/2012
Review Completion Date: 12/09/2012 Name (ID): BOONES FERRY (000002)
Address: 
COMMONSCONDOMINIUMS
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/24/2010
Review Completion Date: 11/22/2010 Name (ID): BOONES FERRY (000003)
Address: 
COMMONSCONDOMINIUMS
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/24/2010
Review Completion Date: 11/22/2010 Name (ID): BOONES FERRY COMMONS (61191A)
Address: 
CONDOMINIUMS
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/24/2010
Review Completion Date: 11/22/2010 Name (ID): BOONES FERRY COMMONS (000075)
Address: 
CONDOMINIUMS
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/24/2010
Review Completion Date: 11/22/2010 Name (ID): BRIGHTFIELD VILLAGE CONDO (000600)
Address: 
8817 SW BRIGHTFIELD CIRCLE
BEAVERTON OR 97223
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/28/2020
Review Completion Date: 08/12/2020 Name (ID): BRITETREE CONDOMINIUMS (001248)
Address: 
ALOHA OR 97007-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 04/04/2005
Review Completion Date: Unavailable Name (ID): CANTERBURY HEIGHTS (01899E)
Address: 
PH 8 BLDS 3,4 30
PORTLAND OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/17/2008
Review Completion Date: Unavailable Name (ID): CANTERBURY HEIGHTS (01899G)
Address: 
PH 9 BLDS 1,2,31,32
TIEGARD OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/02/2008
Review Completion Date: 10/05/2014 Name (ID): CANTERBURY HEIGHTS CONDOS (01899A)
Address: 
PH 2 BLDS 7,8,10,14
TIGARD OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/20/2006
Review Completion Date: Unavailable Name (ID): CANTERBURY HEIGHTS CONDOS (01899D)
Address: 
PH 6 BLDG 15, 16, 24,& 25
PORTLAND OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 12/13/2007
Review Completion Date: Unavailable Name (ID): CANTERBURY HEIGHTS CONDOS (001899)
Address: 
PH 1, PH 5
PORTLAND OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 10/02/2014
Review Completion Date: 10/02/2014 Name (ID): CANTERBURY HEIGHTS CONDOS (01899C)
Address: 
PH 4 BLDS 17-19
PORTLAND OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/19/2007
Review Completion Date: Unavailable Name (ID): CANTERBURY HEIGHTS CONDOS (01899F)
Address: 
PH 7 BLDS 26-28
PORTLAND OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 07/21/2008
Review Completion Date: Unavailable Name (ID): CANTERBUY HEIGHTS (01899B)
Address: 
PH 3, BLDGS 11-13 & 20
TIGARD OR 97224
WASHINGTON
Status: HUD Accepted
Request Received Date: 01/30/2007
Review Completion Date: Unavailable Name (ID): CANYON COURT (000493)
Address: 
CONDOMINIUM
BEAVERTON OR 97005
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 10/06/2016
Review Completion Date: 12/20/2016 Name (ID): CENTRAL PARC @ BETHANY VILLAGE (000553)
Address: 
15050 NW CENTRAL DR.
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/11/2018
Review Completion Date: 08/06/2019 Name (ID): CHERRY WOODS CONDOMINIUMS (000583)
Address: 
17700 SW BOONES FERRY RD
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/10/2019
Review Completion Date: 09/22/2019 Name (ID): COURTYARD @PROGRESS (01731E)
Address: 
PH 6 BLDS 21-23
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/22/2005
Review Completion Date: Unavailable Name (ID): COURTYARD @PROGRESS RIDGE (01731B)
Address: 
PH 3 BLD 9-12
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 02/09/2005
Review Completion Date: Unavailable Name (ID): COURTYARD @PROGRESS RIDGE (01731D)
Address: 
BLD 1-20
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/18/2005
Review Completion Date: 03/07/2016 Name (ID): [email protected] RIDGE (01731C)
Address: 
PH 4 BLDG 13-16
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/14/2005
Review Completion Date: Unavailable Name (ID): [email protected] RIDGE (01731A)
Address: 
PH 2 BLDS5-8
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/22/2004
Review Completion Date: Unavailable Name (ID): [email protected] RIDGE (001731)
Address: 
PH 1 BLG 1-4
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/18/2004
Review Completion Date: Unavailable Name (ID): COURTYARDS AT SPRINGVILLE (002055)
Address: 
128 UNITS BLDGS A-H
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/19/2008
Review Completion Date: 03/31/2018 Name (ID): CREEKSIDE (002002)
Address: 
CONDOMINIUMS
BEAVERTON OR 97003
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/25/2007
Review Completion Date: 08/31/2015 Name (ID): CREEKSIDE @PROGRESS RIDGE (02002C)
Address: 
PH 5 BLDS 19-21
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/27/2008
Review Completion Date: Unavailable Name (ID): CREEKSIDE AT PROGRESS RIDGE (000414)
Address: 
PHASE 6 & PHASE 7
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/21/2011
Review Completion Date: 04/04/2011 Name (ID): [email protected] RIDGE (02002B)
Address: 
PH 4 BLDS 17,18,22
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/04/2008
Review Completion Date: Unavailable Name (ID): [email protected] RIDGE (02002A)
Address: 
PH 3 BLDS 23-25
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 07/21/2008
Review Completion Date: Unavailable Name (ID): DEODAR (001055)
Address: 
87TH AVENUE
TIGARD OR 97223-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/10/2016
Review Completion Date: 08/14/2016 Name (ID): ELMONICA CONDOMINIUMS (60702A)
Address: 
2460 SW 187TH AVENUE
BEAVERTON OR 97005
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 05/30/2007
Review Completion Date: Unavailable Name (ID): ENCLAVE CONDOS (002353)
Address: 
PH 1
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/17/2009
Review Completion Date: Unavailable Name (ID): FANNO POINTE CONDO (001658)
Address: 
PH 001
TIGARD OR 97233
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/15/2004
Review Completion Date: Unavailable Name (ID): FANNO POINTE CONDOS (01658A)
Address: 
PH 002
TIGARD OR 97233
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/15/2004
Review Completion Date: Unavailable Name (ID): GRANT PARK (002522)
Address: 
CONDOMINIUM
HILLSBORO OR 97124
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/23/2010
Review Completion Date: 11/22/2015 Name (ID): HEIGHTS @ PROGRESS RIDGE (01830D)
Address: 
PH 5, BLDG 28-30, 40
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/22/2006
Review Completion Date: Unavailable Name (ID): HEIGHTS @ PROGRESS RIDGE (01830A)
Address: 
BLDS 25,33,34,35
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 03/22/2006
Review Completion Date: Unavailable Name (ID): HEIGHTS @ PROGRESS RIDGE (01830C)
Address: 
BLDS 27,31,38,39
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/30/2006
Review Completion Date: Unavailable Name (ID): HEIGHTS @PROGRESS RIDGE (01830B)
Address: 
BLDS 26,32,36,37
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/05/2006
Review Completion Date: Unavailable Name (ID): HEIGHTS AT PROGRESS RIDGE (001830)
Address: 
PH 1 BLDS 21,23,24,44
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/27/2005
Review Completion Date: Unavailable Name (ID): HERON CREEK CONDOS (002405)
Address: 
PH1-4 BLS1-11,13,14,28-30
HILLSBORO OR 97123
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/02/2009
Review Completion Date: 09/03/2019 Name (ID): HIGHLANDS @PROGRESS RIDGE (01863C)
Address: 
PH 4, BLDG 4
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/27/2006
Review Completion Date: Unavailable Name (ID): HIGHLANDS @PROGRESS RIDGE (001863)
Address: 
BLDS 1,9,10
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/02/2006
Review Completion Date: Unavailable Name (ID): [email protected] RIDGE (01863A)
Address:
BLDS 5-8 PH 2
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/27/2006
Review Completion Date: Unavailable Name (ID): [email protected] RIDGE (01863B)
Address:
PH 3 BLDS 2,3
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/06/2006
Review Completion Date: Unavailable Name (ID): IMPERIAL TERRACE CONDO (001232)
Address:
TIGARD OR 97224-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/31/2001
Review Completion Date: Unavailable Name (ID): LAKEVIEW @ PROGRESS RIDGE (02392A)
Address:
PH 2
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 09/08/2009
Review Completion Date: Unavailable Name (ID): LAKEVIEW @ PROGRESS RIDGE (002392)
Address:
PH 1 BLDS 6-8
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/18/2009
Review Completion Date: Unavailable Name (ID): LAKEVIEW @PROGRESS RIDGE (02392B)
Address:
PH 3
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/17/2009
Review Completion Date: Unavailable Name (ID): LAKEVIEW AT PROGRESS (61078A)
Address:
RIDGE
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/27/2010
Review Completion Date: 07/11/2010 Name (ID): LOFTS AT 45 CENTRAL (000546)
Address:
17933 NW EVERGREEN PWY
BEAVERTON OR 97005
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/06/2018
Review Completion Date: 06/11/2018 Name (ID): LYNANN PARK (000464)
Address:
CONDOMINIUM
BEAVERTON OR 97005
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/24/2015
Review Completion Date: 03/10/2015 Name (ID): MADISON PLACE CONDOS (002065)
Address:
PHASE 1
ALOHA OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 03/12/2008
Review Completion Date: Unavailable Name (ID): METZGER PARK (000559)
Address:
10000 SW HALL BLVD
TIGARD OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 10/21/2018
Review Completion Date: 11/04/2018 Name (ID): MOORCROFT STATION CONDOMINIUMS (000433)
Address:
PORTLAND OR 97123
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/02/2012
Review Completion Date: 09/18/2012 Name (ID): MURRAY CREST (001124)
Address:
PHASE 1
BEAVERTON OR 97005-0000
WASHINGTON
Status: HUD Accepted
Request Received Date: 09/23/2007
Review Completion Date: Unavailable Name (ID): MURRAYHILL WOODS (000547)
Address:
9275 SW 146TH TER
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/19/2018
Review Completion Date: 08/28/2018 Name (ID): NOTTINGHILL (001538)
Address:
CONDOMINIUM
HILLSBORO OR 97123
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/04/2002
Review Completion Date: 09/04/2002 Name (ID): ORCHARD HILL CONDOMINIUM (001334)
Address:
PH 1
TUALATIN OR 97062-0000
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/08/2009
Review Completion Date: Unavailable Name (ID): ORCHARD HILL CONDOS (01334A)
Address:
CONDO
TUALATIN OR 97062
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/17/2010
Review Completion Date: 09/11/2016 Name (ID): ORENCO TOWNSITE CONDOS (001622)
Address:
HILLSBORO OR 97124
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/05/2003
Review Completion Date: Unavailable Name (ID): OVERLOOK @ TIMBERLAND (002499)
Address:
PHASE 1-7
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/10/2015
Review Completion Date: 03/10/2015 Name (ID): REESE SQUARE CONDOS (002436)
Address:
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/07/2009
Review Completion Date: Unavailable Name (ID): REX HILL CONDOS (000545)
Address:
PO BOX 23099
TIGARD OR 97281
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 05/23/2018
Review Completion Date: 06/11/2018 Name (ID): RIVER TERRACE EAST (000561)
Address:
PHASE 1 – 4
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 12/05/2018
Review Completion Date: 08/06/2019 Name (ID): ROYAL GARDENS CONDOMINIUM (000509)
Address:
11992 SW ROYALTY CT
KING CITY OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/13/2017
Review Completion Date: 02/16/2017 Name (ID): SCHOLLS POINTE (000415)
Address:
CONDOMINIUM
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/30/2011
Review Completion Date: 04/06/2011 Name (ID): SCHOLLS POINTE (001808)
Address:
CONDOMINIUM
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/28/2005
Review Completion Date: 07/28/2005 Name (ID): SEQUOIA VILLAGE (000486)
Address:
CONDOS
HILLSBORO OR 97124
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/03/2016
Review Completion Date: 08/16/2016 Name (ID): SEXTON CREST (000468)
Address:
CONDOS
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/26/2015
Review Completion Date: 07/26/2015 Name (ID): SEXTON CREST CONDOS (01754D)
Address:
PH 5 BLDS 14-16
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 10/26/2005
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754C)
Address:
PH 4 BLDS 1-13,17
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 09/18/2005
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754A)
Address:
PH 2 BLDS 5-7
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 02/03/2005
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754B)
Address:
PH 3 BLDG 8-10
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 05/09/2005
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754G)
Address:
PH8 BLDG 25-27
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 05/10/2006
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754E)
Address:
BLDS 1-20
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 02/13/2006
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (001754)
Address:
PH 1 BLD 1-4
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 01/06/2005
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754H)
Address:
PH 9 BLDS 28-30
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/07/2006
Review Completion Date: Unavailable Name (ID): SEXTON CREST CONDOS (01754F)
Address:
PH 7 BLDS 21-24
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 03/14/2006
Review Completion Date: Unavailable Name (ID): SEXTON PLACE CONDOS (001595)
Address:
PH 001
BEAVERTON OR 97007-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 04/21/2003
Review Completion Date: 04/27/2003 Name (ID): SEXTON PLACE CONDOS (01595A)
Address:
PH 002
BEAVERTON OR 97007-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/02/2003
Review Completion Date: 06/03/2003 Name (ID): SEXTON PLACE CONDOS (01595B)
Address:
PH 003
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/17/2003
Review Completion Date: Unavailable Name (ID): SEXTON PLACE CONDOS (01595C)
Address:
PH 004
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/05/2003
Review Completion Date: Unavailable Name (ID): SUMMERFIELD CONDOMINIUMS (000513)
Address:
15685 SW 116TH AVE
TIGARD OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/07/2017
Review Completion Date: 03/14/2017 Name (ID): SUMMIT @ PROGRESS RIDGE (000487)
Address:
PH 4, CONDOMINIUM
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/14/2016
Review Completion Date: 08/21/2016 Name (ID): SUMMIT @ PROGRESS RIDGE (01738C)
Address:
PH 4
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/14/2005
Review Completion Date: 08/15/2016 Name (ID): SUMMIT AT PROGRESS RIDGE (01738D)
Address:
PH 5 BLDG 1-3
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 05/25/2005
Review Completion Date: Unavailable Name (ID): SUMMIT AT PROGRESS RIDGE (01738A)
Address:
PH 2 BLG 7-9,15
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 12/08/2004
Review Completion Date: Unavailable Name (ID): SUMMIT AT PROGRESS RIDGE (001738)
Address:
PH 1 BLDGS 5,6,16,17
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/01/2004
Review Completion Date: Unavailable Name (ID): SUMMIT AT PROGRESS RIDGE (01738B)
Address:
PH 3 BLGS 10-12,14
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 01/04/2005
Review Completion Date: Unavailable Name (ID): TANASBOURNE PLACE (01847F)
Address:
CONDOMINIUM
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/12/2008
Review Completion Date: 01/31/2016 Name (ID): TANASBOURNE PLACE CONDO (01847C)
Address:
PH4-5,BLD9,10,12,13,17-19
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/23/2006
Review Completion Date: 08/23/2006 Name (ID): TANASBOURNE PLACE CONDOS (001847)
Address:
PH 1 BLDS 5-8
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 01/17/2006
Review Completion Date: Unavailable Name (ID): TANASBOURNE PLACE CONDOS (01847E)
Address:
PHASES 7
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 12/27/2007
Review Completion Date: Unavailable Name (ID): TANASBOURNE PLACE CONDOS (01847B)
Address:
BLDS 20-22 PH 3
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 07/17/2006
Review Completion Date: Unavailable Name (ID): TANASBOURNE PLACE CONDOS (01847D)
Address:
PH 6 BLDS 11,14,16
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/05/2006
Review Completion Date: Unavailable Name (ID): TANASBOURNE PLACE CONDOS (01847A)
Address:
BLDS 1-4 PH 2
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 04/27/2006
Review Completion Date: Unavailable Name (ID): TANASBROOK CONDO (001799)
Address:
PH 1
BEAVERTON OR 97006
WASHINGTON
Status: HUD Accepted
Request Received Date: 06/27/2005
Review Completion Date: Unavailable Name (ID): TANASBROOK CONDOMINIUMS (000419)
Address:
(ALL PHASES)
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/04/2011
Review Completion Date: 07/06/2011 Name (ID): TERRA LINDA PARK CONDOMINIUMS (000534)
Address:
1900 NW 143RD AVE
PORTLAND OR 97229-4349
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/22/2018
Review Completion Date: 03/06/2018 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000128)
Address:
PHASE 4
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/16/2012
Review Completion Date: 09/24/2012 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000325)
Address:
PHASE 1
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/29/2010
Review Completion Date: 03/08/2011 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000434)
Address:
PHASE 4
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/16/2012
Review Completion Date: 09/24/2012 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000188)
Address:
CONOMINIUM, PHASE 6
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/29/2013
Review Completion Date: 10/02/2013 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000446)
Address:
CONDOMINIUM PHASE 5
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 04/10/2013
Review Completion Date: 05/01/2013 Name (ID): THE CARRIAGES AT AUTUMN CREEK (000428)
Address:
PHASE 2
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 05/03/2011
Review Completion Date: 02/14/2012 Name (ID): THE CEDARS AT TIMBERLAND (000424)
Address:
PHASE 4
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/05/2011
Review Completion Date: 10/25/2011 Name (ID): THE CEDARS AT TIMBERLAND (000022)
Address:
PHASE 2
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/03/2011
Review Completion Date: 03/06/2011 Name (ID): THE CEDARS AT TIMBERLAND (81100A)
Address:
CONDOS
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/24/2010
Review Completion Date: 01/23/2011 Name (ID): THE CEDARS AT TIMBERLAND (000392)
Address:
PHASE 3
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/16/2011
Review Completion Date: 03/27/2011 Name (ID): THE CEDARS AT TIMBERLAND (000430)
Address:
PHASE 5
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/11/2012
Review Completion Date: 03/18/2012 Name (ID): THE CEDARS AT TIMERLAND (000444)
Address:
CONDOMINIUM
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/24/2010
Review Completion Date: 01/23/2011 Name (ID): THE CROSSING @TANASBOURNE (01984B)
Address:
ALL PHASES
BEAVERTON OR 97007
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/02/2008
Review Completion Date: 02/13/2018 Name (ID): THE HEIGHTS @ PROGRESS (01830E)
Address:
RIDGE, PH 6, BLDG 22-43
BEAVERTON OR 97007
WASHINGTON
Status: HUD Accepted
Request Received Date: 01/18/2007
Review Completion Date: Unavailable Name (ID): THE OVERLOOK AT TIMBERLAND (000432)
Address:
PHASE 7
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/26/2012
Review Completion Date: 08/01/2012 Name (ID): THE OVERLOOK AT TIMBERLAND (000422)
Address:
PHASES 1-6
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/22/2011
Review Completion Date: 10/02/2011 Name (ID): THE OVERLOOK AT TIMBERLAND (000441)
Address:
PHASE 8
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 02/04/2013
Review Completion Date: 03/10/2013 Name (ID): THE QUINTET (001294)
Address:
6605 W. BURNSIDE ST
PORTLAND OR 97210-0000
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/29/2015
Review Completion Date: 09/29/2015 Name (ID): THE VILLAS AT AUTUMN CREEK (000427)
Address:
PHASE 5
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/25/2012
Review Completion Date: 02/07/2012 Name (ID): THE VILLAS AT AUTUMN CREEK (000416)
Address:
PHASE 2
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 04/04/2011
Review Completion Date: 05/08/2011 Name (ID): THE VILLAS AT AUTUMN CREEK (000116)
Address:
PHASE 6
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 05/16/2012
Review Completion Date: 06/12/2012 Name (ID): THE VILLAS AT AUTUMN CREEK (000425)
Address:
PHASE 3 & 4
HILLSBORO OR 97006
WASHINGTON
Status: Accepted With Conditions
Request Received Date: 04/26/2011
Review Completion Date: 12/07/2011 Name (ID): THEVILLASAT (000106)
Address:
AUTUMNCREEKPHASE1
HILLSBORO OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 12/07/2010
Review Completion Date: 12/13/2010 Name (ID): TIBERLAND RESERVE (002008)
Address:
PH 3
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 09/25/2007
Review Completion Date: Unavailable Name (ID): TIMBERCREST (000552)
Address:
14655 SW 76TH AVE
TIGARD OR 97224
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/10/2018
Review Completion Date: 01/23/2019 Name (ID): TIMBERLAND FALLS (61087A)
Address:
CONDOMINIUM PHASE 9
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/25/2010
Review Completion Date: 07/27/2010 Name (ID): TIMBERLAND FALLS CONDOS (02037B)
Address:
PH 8 BLDS B4,B7
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 10/07/2009
Review Completion Date: 10/07/2009 Name (ID): TIMBERLAND FALLS CONDOS (002037)
Address:
PHASES 1, 2, 3, 4, 5
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 12/27/2007
Review Completion Date: Unavailable Name (ID): TIMBERLAND FALLS CONDOS (02037A)
Address:
PH 6,7BLS C1,C11,D3,D8,D1
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 07/21/2008
Review Completion Date: Unavailable Name (ID): TIMBERLAND FALLS TOO (02204A)
Address:
PH 2 BLDS 6,11,12
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 03/03/2009
Review Completion Date: 03/03/2009 Name (ID): TIMBERLAND FALLS TOO (002204)
Address:
PH 1 BLDS 7,9,10
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/19/2008
Review Completion Date: 11/19/2008 Name (ID): TIMBERLAND FALLS TOO (02204B)
Address:
PH 3 BLDS 2,3,13
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/02/2009
Review Completion Date: 09/02/2009 Name (ID): TIMBERLAND RESERVE (01944A)
Address:
PHASE 4
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 12/18/2007
Review Completion Date: 06/23/2020 Name (ID): TIMBERLAND RESERVE (001944)
Address:
PH ASES 1, 2
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 12/27/2007
Review Completion Date: Unavailable Name (ID): TIMBERLAND RESERVE CONDOS (01944C)
Address:
PH 6 BLDS 1,19,28
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 11/24/2008
Review Completion Date: Unavailable Name (ID): TIMBERLAND RESERVE CONDOS (01944B)
Address:
PH 3,5 BLDS 7-9,2-5
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 07/21/2008
Review Completion Date: Unavailable Name (ID): TIMBERLAND RESERVE CONDOS (01944D)
Address:
PH 7,8 BLDS 20,26,27
PORTLAND OR 97229
WASHINGTON
Status: HUD Accepted
Request Received Date: 08/18/2009
Review Completion Date: Unavailable Name (ID): TIMBERLAND RESERVE CONDOS (01944E)
Address:
ALL PHASES
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/09/2010
Review Completion Date: 05/19/2015 Name (ID): TOUCHSTONE TOWNHOMES (002125)
Address:
AT WASHINGTON SQUARE PH 1
PORTLAND OR 97223
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 07/30/2008
Review Completion Date: 07/30/2008 Name (ID): TRAVERTINE CONDOS (002466)
Address:
PH 1,2
HILLSBORO OR 97124
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 11/17/2009
Review Completion Date: 04/22/2020 Name (ID): TREE HILL PARK (001947)
Address:
ALSO TROUTDALE
WOOD VILLAGE OR 97060
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 01/23/2007
Review Completion Date: 02/11/2018 Name (ID): VILLAGE AT FOREST GLEN (001199)
Address:
CONDOS
BEAVERTON OR 97008
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 06/22/2015
Review Completion Date: 06/22/2015 Name (ID): VILLAGE CONDO (000554)
Address:
16010 SW AUDUBON ST
BEAVERTON OR 97003
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/20/2018
Review Completion Date: 10/18/2018 Name (ID): VILLAGE CONDOMINIUMS (002137)
Address:
PH 1
BEAVERTON OR 97006
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/20/2008
Review Completion Date: 09/11/2018 Name (ID): WEST PARK AT BETHANY (000551)
Address:
CONDOMINIUM
PORTLAND OR 97229
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 08/30/2018
Review Completion Date: 09/26/2018 Name (ID): WOODHAVEN CROSSING (000491)
Address:
CONDOS
SHERWOOD OR 97140
WASHINGTON
Status: Accepted Without Conditions
Request Received Date: 09/12/2016
Review Completion Date: 09/22/2016

Source: vahomeloancenters.org

2021 VA Funding Fees, Loan Limits & Terms: Interview with Mason Buckles


Tim Lucas

Posted on: January 1, 2021

MilitaryVALoan.com sat down with VA mortgage professional Mason Buckles (NMLS #176104) to talk about the ins and outs VA funding fees, loan limits, and allowable VA loan term lengths.

MVL: What exactly is a VA funding fee and why does VA require it?

Mason: The VA Funding Fee is paid directly to the Department of Veterans Affairs and is the vehicle by which they can guarantee this no-money-down loan program. This fee is paid so that VA eligible borrowers can enjoy loan benefits of VA Lending such as no monthly PMI payments and reduced VA to VA refinance charges.

MVL: Do borrowers have to pay the funding fee in cash?

2013 VA Funding Fee Q&A

Interview with Mason Buckles about the 2018 VA home loan funding fee.

Mason: No. Borrowers have the option of either paying the funding fee in full out of pocket or financing the total sum into their total loan amount or any portion thereof.

Request a free VA home loan quote here.

MVL: Can a seller help pay for the VA funding fee?

Mason: A seller can pay the entire funding fee through a seller concession or credit however the cost cannot be split via seller credit and financing. There are limits on the total percentage amount a seller can contribute or credit the borrower at closing.

Related article: Buying a home with a VA loan.

MVL: What are some of the most common factors for funding fees and what types of borrowers do they apply to?

Mason: Here are a couple charts that detail the various funding fee amounts. The percentage relates to the loan amount, not the home’s value or purchase price.

Purchase – First Time Use

Down Payment Active Duty/Retired Guard/Reserve
$0 Down 2.3% 2.3%
5-10% Down 1.65% 1.65%
10% or More 1.4% 1.4%

Purchase – Additional Use

Down Payment Active Duty/Retired Guard/Reserve
$0 Down 3.6% 3.6%
5-10% Down 1.65% 1.65%
10% or More 1.4% 1.4%

(Example: 15 yr VA transaction: $0 down, $204,300 loan amount including 2.3% Funding Fee, 3.25% interest rate, 3.697 APR)

Check your VA eligibility.

MVL: Is anyone exempt from the VA funding fee?

Mason: YES

You do not have to pay the VA funding fee if you are a:

  • Veteran receiving VA compensation for a service-connected disability, OR
  • Veteran who would be entitled to receive compensation for a service-connected disability if you did not receive retirement or active duty pay, OR
  • Surviving spouse of a Veteran who died in service or from a service-connected disability.

MVL: What’s the best way for someone to find out what funding fee they have to pay?

Mason: The best way to find out your specific amount is to contact an experienced loan originator for details. Speak to a VA loan officer to check you funding fee amount.

MVL: What happens to the funding fee on a purchase loan for someone who has used their VA loan benefit in the past?

Mason: It is increased to the Additional Use Percentages as referenced in the table provided above.

MVL: Does the subsequent use rule apply for someone who refinances with a VA streamline refinance (IRRRL)?

Mason: No, the funding fee for an IRRRL Refinance loan is currently set at .50 percent.

MVL: Is the funding fee refundable if the buyer refinances or sells the property later on?

Mason: No. The funding fee is non-refundable.

MVL: What is a VA loan limit? Can a buyer open a VA loan for greater than the VA loan limit?

Mason: As of January 1, 2020, VA-eligible borrowers can get any size loan with no down payment. There are no official limits.

But remember, you’ll still have to qualify for the mortgage.

Read more about home buying with a VA loan here.

MVL:  How often do VA loan limits change? Are there any changes coming up?

Mason: The VA loan limits are typically reviewed annually. The most recent changes went into effect January 1, 2020.

MVL: Most people realize they can get a 30 year VA loan, but can someone obtain a loan for a 15 year term? What about a 40 year VA loan?

Mason: VA does offer a 15 year term, however, a 40 year term is not offered at this time.

(Example 15 yr VA transaction: $0 down, $204,300 loan amount including 2.3% Funding Fee, 3.25% interest rate, 3.697 APR)

MVL: Any additional words of wisdom for someone trying to understand funding fees, loan limits, or loan term lengths?

Mason: The best advice is to identify and work with an experienced VA lender. VA loans, while simple in execution, do require a higher level of scrutiny by both your loan originator and the lender’s underwriter themselves. An experienced loan originator should be able to thoroughly explain all facets of VA Lending including the funding fees, underwriting and appraisal requirements, and non-allowable loan costs as well as efficiently close your loan in a timely fashion.

Mason Buckles (WA MLO 176104 and NMLS #176104) is a licensed loan originator with Cobalt Mortgage (WA CL 35653, NMLS 35653) in Kirkland, WA. He has been in the mortgage industry since 2001 and a recipient of Seattle Magazine’s Five Star Mortgage Professional award. Outside of the office, Mason enjoys coaching his son’s basketball team, boating, and traveling.

(To check licensing status of a mortgage loan originator, visit the NMLS website.)

Source: militaryvaloan.com

Wheeler County, Oregon VA Loan Information

Table of Contents

FAQ

What is the VA Loan Limit?

2020 VA Home Loan Limit in Wheeler 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 Wheeler 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 Wheeler 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 Wheeler 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 Wheeler 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 Wheeler County is $172,177. In addition, the median household income for residents of the county is $33,456.

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?

  • Auralea Woods is the Wheeler county tax assessor. Her office can be reached at 701 Adams Street Ste. 203 Fossil, Oregon 97830. In addition, her office can also be reached by calling (541) 763-4266.
  • 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 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 1,332 is 86% White, 6% Hispanic, and 6% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 14% under 18 years old and 36% older than 65.
  • In total, the county has about 661 households, at an average of two people per household.

What are the major cities?

There are currently three cities in the county Mitchell, Spray, and Fossil, the latter of which serves as the county seat.

About Wheeler County

Wheeler County, Oregon officially formed in 1899, the county was named after Henry H. Wheeler, a man who operated the first mail stage line from The Dalles to Canyon City. The county’s boundaries have not changed since it was created. In addition, when the county was created the county seat was set to be temporarily placed in the city of Fossil, which was named after a fossil that was discovered in the area in 1876. A year later an election was held to choose the county seats permanent place, and Fossil won.

Today, the county’s economy depends on its livestock and tourism industries. However, the biggest employment industries in the county are farming, educational services, and public administration. Therefore, the most common occupations in the county are management, farming, and educational instruction.

The Wheeler County Community & Economic Development team is encouraging the growth of its local economy by assisting potential new businesses by getting access to the necessary resources. In addition, free and confidential business advising is also offered to help build a stronger business within the county.

When it comes to education, the county is serviced by two school districts with Fossil School District and Spray School District #1. Both districts provide education for students K-12.

Finally, the county is also home to The Oregon Paleolands Institute headquarters, which provides educational tours, hikes, and workshops to teach more about the region’s geology and paleontology. In addition, the county is also host to annual events like the Wheeler County Fair and Rodeo, and the Wheeler County Bluegrass Festival.   

Veteran Information

The county is currently home to 154 veterans, and they all have access to:

  • County Veteran Assistance Information
    • Wheeler County Veteran Services Office – 401 Fourth Street, Fossil, OR 97830.

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 Wheeler 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/

Source: vahomeloancenters.org

Current VA Refinance Rates


Nicole Carlson

Posted on: January 14, 2021

Mortgage interest rates remain at historic lows this week. As reported from a weekly survey of 100+ lenders by Freddie Mac, the average mortgage interest increased for all three main loan types — 30-year fixed (2.65% tp 2.79%), 15-year fixed (2.16% to 2.23%), and 5/1 ARM increased (2.75% to 3.12%)..

VA refinance rates are no different. In fact, when compared to other loan types — conventional and FHA, for example — VA home loans offer consistently lower rates than for the average consumer.

Shop and compare your personalized rates with multiple lenders.

VA Refinance Rates 2020

  VA Conventional FHA
September 2020 2.78% 3.02% 3.01%
August 2020 2.86% 3.12% 3.10%
July 2020 3.02% 3.26% 3.26%
June 2020 3.20% 3.42% 3.41%
May 2020 3.24% 3.44% 3.45%
April 2020 3.31% 3.48% 3.56%

Source: Ellie Mae Origination Insight Report, September 2020

When should you refinance?

In general, if you can save money over the life of your loan, then you should consider refinancing. Everyone’s financial situation is different, however, and refinancing can help you achieve a couple of different financial goals. Below are some of the most common reasons homeowners refinance:

  1. Lower your interest rate and monthly payment. Refinancing into a lower interest rate not only reduces the total interest costs you owe over the life of the loan, but it can reduce your monthly mortgage payment as well. This is the most common reason to refinance.
  2. Pay off your current non-VA home loan. VA home loans don’t require private mortgage insurance (PMI) like other loan types (FHA loans, for example, require PMI for the life of the loan if you put less than 10% down). You can also adjust your loan terms and interest rate type.
  3. Fund home projects or consolidate your debt. If you’ve earned enough equity in your home, then a cash-out refinance allows you to tap into that equity for cash. There are no restrictions on how you can use the money, so many homeowners use it to pay for home repairs or remodel projects as well consolidate debt.

What type of refinance should I choose?

There are two types of VA refinance loans: VA streamline refinance and VA cash-out refinance. Both have different benefits and loan processing requirements, so it’s important for homeowners to know what they want to accomplish with a refinance.

VA Streamline Refinance

Also known as an Interest Rate Reduction Refinance Loan (IRRRL), the VA streamline refinance is best if you want to lower your interest rate and monthly payment. In fact, your new monthly payment must be lower than your current one to be eligible for this loan. It has one of the easiest refinancing process — you don’t have to verify your income or credit score, and you don’t need a home appraisal.

VA Cash-out Refinance

The VA cash-out refinance loan is the only refinance option for taking out some or all of the earned equity in your home as cash. Qualifying for this loan is a longer process. You’ll need to meet similar requirements to when you purchased your existing home, including credit score and debt-to-income ratio requirements, plus a new home appraisal.

How do I get the best VA refinance rate?

According to research from the Consumer Financial Protection Bureau (CFPB), almost half of consumers don’t compare quotes when shopping for a home loan. This means many consumers are losing out on substantial savings. Comparing quotes from three to four lenders ensures that you’re getting the lowest refinance rate for you. Some lenders may even waive certain fees and closing costs.

Interest rates determine what you’ll pay monthly as well as the total interest amount over the life of the loan. Even a half a percentage point decrease can mean a savings of thousands of dollars you’ll owe overall.

Average Mortgage Interest Rates 2020

Source: militaryvaloan.com

Nevada County, California VA Loan Information

Table of Contents

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 Nevada 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 Nevada 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 Nevada 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 Nevada 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 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 Nevada County is $477,219. In addition, the median household income for residents of the county is $63,240.

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 Nevada county, the mountainous terrain reduces flood hazard areas to small areas surrounding bodies of water.

How do I learn about Property Taxes?

  • Sue Home is the Nevada county tax assessor. Her office can be reached at 905 Maidu Avenue Suite 290 Nevada City, California 95959. In addition, her office can also be reached by calling 530-265-1232.
  • 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?

  • The county’s population of 99,755 is 84% White, 9% Hispanic, and 3% two or more races.
  • Most county residents are between 18 and 65 years old, with 17% under 18 years old and 28% older than 65.
  • In total, the county has about 40,904 households, at an average of two people per household.

What are the major cities?

The county has two cities and one town, including Nevada City which serves as the county seat. The two other cities in the county are Grass Valley and Truckee.

About Nevada County

Formed in 1851, 13 years prior to the neighboring state of Nevada attaining statehood, Nevada County was actually the first area of the United States to include the stand-alone word Nevada in its name. The term’s etymology is from the name the Sierra Nevada, Spanish for snow-covered. Nevada County is known for its involvement in the California Gold Rush. The early years of California are featured prominently throughout the county. The Nevada Theatre, built in 1865 making it the oldest theater in the state continues to operate to this day. Many notable figures have performed on the stage at the Nevada Theatre, ranging from Mark Twain to Motley Crue.

Further providing Nevada County notoriety is its place as the birthplace of Arcade Video games, with the inception of Pong. The creation of Pong led to the county being nicknamed the “Silicon Valley of the Sierras.” The first cell phone for commercial usage, with the capability of taking photos, was developed in the county seat of Nevada City. Currently, over 1,000 software designers and developers reside in the county.

Our nation’s 31st President, Herbert Hoover once lived in Nevada City, earning a living as a miner, fresh out of Stanford University.

The timber industry, government services, and tourism are the driving forces of the local economy.

Tourism based on the history of this country is reflected in many of the museums found in Nevada County. These museums put the history of the Gold Rush, mining, and the railroad at the forefront. The county is also home to numerous state parks including Malakoff Diggins State Historic Park, Grass Valley’s Empire Mine State Historic Park, and Donner Memorial State Park.

A veteran property tax exemption exists for veteran homeowners in Nevada County, amounting to $4,000. A disabled veterans exemption which is for a far greater monetary sum is accessible for disabled veterans with a total disability, blindness or the loss of use of more than one limb. This exemption is also available for the surviving spouses of disabled veterans.

Veteran Information

The county is currently home to 8,319 veterans, and they all have access to:

  • Nevada County is home to one VFW post:
    • Post-2655 Banner Mountian: 415 North Pine Street, Nevada City, CA 95959.
  • County Veteran Assistance Information
    • Nevada County Veteran Services Office: 988 McCourtney Road Grass Valley, CA 95949.

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): THE BOULDERS (000151)
Address: 
10844 CINNABAR WAY
TRUCKEE CA 96161
NEVADA
Status: Accepted Without Conditions
Request Received Date: 05/13/2015
Review Completion Date: 06/02/2015

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/

Source: vahomeloancenters.org

VA Loan Myths


Tim Lucas

Posted on: December 12, 2020

Because of their complexity relative to other mortgage programs, VA loans are the subject of plenty of different myths. Some of these myths are based on truths, but what you hear can end up being very misleading, and it could be entirely untrue.

If you were to take these myths at face value without doing your own research, you might miss out on one of the best mortgage products available. Here’s the truth to some of the biggest myths surrounding VA loans:

Click to check today’s VA rates.

Myth #1: VA loans can only be used once

Because of how useful VA loans can be, some people believe they’re too good to be true. The myth VA loans can only be used once is completely false, but it’s easy to see where this mistaken idea might have come from. If you currently have a VA loan, you are not eligible for a second one.

However, this doesn’t mean you aren’t eligible for a second VA loan ever again.

Once you pay off your current VA loan, you’re eligible to use the program again. There are some small differences after the first time, such as a slightly higher cost at closing. But aside from the small differences, your second VA loan will be similar to the first one that you paid off.

Myth #2: VA members are guaranteed a mortgage

Nobody is guaranteed any type of mortgage, regardless of which mortgage program they’re applying for or whether they’re veterans. You must be approved for a mortgage, which means — depending on which program you choose — meeting credit requirements and having a specific debt-to-income ratio, among other factors.

When a lender says a VA loan is “guaranteed,” they mean the VA backs the loan. The VA guarantee is there to tell veterans they can get a mortgage with no required down payment, competitive mortgage rates and other benefits.

You can learn more about what “guaranteed” means here.

Myth #3: VA appraisals are impossible to pass

It is true that VA appraisals can be stricter than an appraisal with a different mortgage type. But that doesn’t mean they’re impossible to pass, and many VA home buyers don’t have any trouble with the VA appraisal at all. Because the VA is backing the home, they want to confirm it’s in good and livable condition before they approve any type of loan.

If you are applying for a VA loan and want to have a quick, speedy appraisal process, check here for some tips on how to pass the appraisal.

Check your VA eligibility.

Myth #4: Today’s home prices require a higher down payment

There’s no denying home prices have increased over the past decade. This has made homes harder to afford for many would-be home buyers, since down payments are usually used to lower the costs of monthly payments. The higher the downpayment, the lower the monthly payments.

Here’s the truth: with a VA loan, you don’t need to make a down payment and you can still afford a house. The key to buying an affordable home isn’t the size of the down payment, but finding a home within your means.

Many VA members purchase a home without a large down payment. In March, the average down payment for a VA loan was just two percent – below the minimum 3.5% required by FHA loans, and much lower than the traditional 20%.

While a larger down payment will lower your monthly costs, you probably don’t need to make a larger downpayment to be eligible for a VA loan.

Myth #5: VA loans take forever

When comparing FHA loans, conventional loans and VA loans, VA loans are typically the slowest program. According to mortgage software giant Ellie Mae’s October 2020 Origination Report, VA loans took an average of 54 days to close.

By comparison, FHA loans took 52 days to close, and conventional loans took an average of 54 days as well.

So yes, a VA loan is likely going to take longer to close than another program. However, a difference of 2-3 days is small when you consider how much lower VA rates are.

VA loans are slower than other mortgage types, but they do not take forever.

Click to start the VA home buying process.

Myth #6: Surviving spouses don’t qualify for VA mortgages

Actually, many spouses of veterans can qualify for a VA home loan.

Generally, the spouse must be un-remarried and the veteran must have died during service or from service-connected causes. But there are exceptions and other ways a surviving spouse can be eligible.

And, surviving spouses are exempt from paying the VA funding fee. To confirm your eligibility, your VA loan officer will request your Certificate of Eligibility (COE) and verify that it has Entitlement Code 06.

Myth #7: All realtors are good VA home loan advisors

There is no VA loan certification for real estate agents. As a result, you shouldn’t look to your real estate agent for reliable information about VA loans. And an underinformed real estate agent can unintentionally push VA-eligible borrowers towards programs that might be less advantageous for them.

Instead, you should get your VA loan facts from a VA specialty lender whose primary product is VA-backed loans.

The VA loan facts are hard to beat

The proliferation of myths about VA loans can obscure the fact this is simply one of the best loan products available to aspiring home buyers.

The VA loan rates available to eligible buyers — combined with the low down payments — are hard to beat with a conventional or FHA loan. But with a little research and a well-informed VA lender, you could be on your way to a VA home loan.

Click to check today’s VA rates.

Source: militaryvaloan.com

How to Get Cheap Car Insurance

How to Get Cheap Car Insurance – SmartAsset

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For many people, car insurance is a major expense category in the household budget. And because it’s against the law to drive without car insurance, it’s not a budget item that can be eliminated unless you’re willing to go car-free. That doesn’t mean, though, that you’re stuck paying sky-high rates. Here’s how to get cheap car insurance. 

Learn about personal loan rates. 

How Insurance Companies Set Car Insurance Rates

Like health insurance, car insurance comes with both premiums and deductibles. The premiums are what you pay the insurance company every month to maintain your coverage. The deductible is what you’ll pay when you start making claims, up to a certain annual cap of, say, $1,000.

It’s worth noting that most people who say they want cheap car insurance mean that they want car insurance with low monthly premiums. But, as with health insurance, there’s a risk to having a policy with low premiums and a high deductible. In the event of a serious accident, you’ll have to meet that deductible. So, one way to get lower premiums is to opt for a higher deductible, but this is only a safe strategy if you have enough liquidity to cover your deductible in the event of an accident.

When car insurance companies set insurance premium rates they take several factors into account. These include applicants’ age, gender and driving history, as well as the type of car the applicant drives and the driver’s state of residence. While you can’t change your age, there are other steps you can take to get favorable rates from car insurance companies.

Types of Coverage

Insurance companies charge more for comprehensive car insurance than they do for basic coverage. In most states you’re required to have liability insurance to cover any damage you do to another car or driver. The extent of that coverage requirement varies by state. In most states, you’re not required to have insurance to cover damage to your own car, or injuries you might suffer in an accident.

If you choose to add insurance coverage for yourself, you can opt for comprehensive coverage or collision coverage. Collision coverage, as the name indicates, covers damage from an accident with another car or an object, and in the event that your car flips. Comprehensive coverage covers things like theft, vandalism and natural disasters, too.

So, while you’ll almost definitely need to buy liability coverage to cover other drivers’ damages, you might not need to buy physical damage coverage for your own vehicle. It will depend on the terms of your lease if you’re leasing a car, and on your own assessment of the risks you face.

If you’re buying a valuable new car, you’ll probably want comprehensive coverage. If you’re paying cash for an older, used vehicle, you can probably get away with a more basic level of coverage. Whatever insurance option you choose for yourself, be sure to comply with state laws relating to liability insurance for any damage you might do to another driver. Once you have a car insurance policy, carry proof of insurance with you in your vehicle at all times. 

How to Get Cheap Car Insurance Rates

In the long term, one of the best ways to get cheap car insurance is to be a safe, responsible driver. The worst drivers have high rates because the insurance company needs financial compensation for the high likelihood that it will have to pay out in the event these drivers get in an accident. If you have a spotless driving record, keep it up. If you have some accidents or tickets in your past, they shouldn’t drive your rates up forever. If it’s been a few years since your last incident, you can try calling your insurance company and asking for a lower rate, using your recent, safe driving record as a bargaining chip.

Another way to get cheap car insurance is to use the same insurance company for more than one type of insurance and get a discount for your loyalty. For example, you can contact the insurance company that provides your homeowners insurance, life insurance or motorcycle insurance and ask if the company can give you a good deal on car insurance. If you have more than one car, you can bundle the insurance coverage on both vehicles.

Your credit score will also affect your car insurance rates, just like it affects the rates you’re offered when shopping for a mortgage. If your credit has improved since you last bought car insurance, you may be able to negotiate your way to cheaper car insurance. And if you pay your car insurance premiums and bills on time and in full, you’ll build up goodwill with your insurer and might qualify for promotional rates.

If you don’t drive very much during the year, you might get cheaper car insurance from a usage-based plan than you would from regular car insurance. Track your mileage before you start shopping for car insurance and see if your low mileage makes you eligible for a better deal.

If you’re under 25, you’ll pay higher premiums, all things being equal. That’s because insurance companies judge young drivers to be riskier drivers. You can get lower rates by joining your parents’ plan, or by using your good grades to get a discount on rates, if your insurance company offers that option. Once you reach your mid-20s there’s no reason to keep paying the high rates that insurance companies levy on young drivers. You can ask your insurance company to lower your rate, or shop around for insurance from another provider.

Finally, the type of car you drive can affect your car insurance rates. Big, powerful and flashy cars are more likely to trigger high car insurance rates because the insurance company assumes you’ll be more likely to speed in that kind of vehicle, and that the vehicle will be a target for theft. Vehicles with high repair costs (such as foreign-made cars) may be more expensive to cover, too. In some states, having a used car will mean lower rates because rates are affected by your car’s replacement value. But in other states, rates are based on vehicles’ safety features, so having an older car won’t necessarily help you get cheap car insurance. If your car has special safety and/or anti-theft features, you may qualify for cheaper car insurance on that basis.

Bottom Line

If you don’t have a vehicle or you’re thinking about getting a new (or used) car, it may be worth doing some research to find out which kinds of cars will get you the lowest car insurance rates. And if you’re paying a lot for car insurance now, you may be able to get cheaper coverage by negotiating your premiums or switching providers.

Photo credit: ©iStock.com/andresr, ©iStock.com/ipopba, ©iStock.com/kate_sept2004

Amelia Josephson Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia’s work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.
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Source: smartasset.com

Wallowa County, Oregon VA Loan Information

Table of Contents

FAQ

What is the VA Loan Limit?

2021 VA Home Loan Limit for Wallowa 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 Wallowa 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 Wallowa 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 Wallowa 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 Wallowa 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 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 Wallowa County is $283,615. In addition, the median household income for residents of the county is $44,953.

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: 10 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?

  • Randy Wortman is the Wallowa county tax assessor. His office can be reached at 101 South River Street Rm 104 Enterprise, Oregon 97828. In addition, his office can also be reached by calling (541) 426-4543 Ext: 1147.
  • 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 7,208 is 92% White, 3% Hispanic, and 2% mixed race.
  • Most county residents are between 18 and 65 years old, with 19% under 18 years old and 29% older than 65.
  • In total, the county has about 3,165 households, at an average of two people per household.

What are the major cities?

There are four cities within the county including the city of Enterprise which is also the county seat. The three other cities in the county are Joseph, Lostine, and Wallowa.

About Wallowa County

Named after the word used by natives to describe the area, Wallowa County, Oregon was home to the Nez Perce people who had lived in the area for about 11,500 years. Eventually, the first white settlers in the county arrived in 1871 and in 1877 the native people got removed from the area and were sent to the Nez Perce Reservation in Idaho. However, they did not go quietly and under the leadership of Chief Joseph had several battles until they were ultimately defeated and forced to relocate. Eventually, in 1880 the town of Joseph was named in honor of the chief.

Today, the county is a member of the Northeast Oregon Economic Development District which provides businesses in the region with assistance. Assistance is provided through training, and technical assistance for businesses, non-profits, and local governments.

Educationally speaking, the county is served by four school districts which include a total of six schools that range from kindergarten to high school. In addition, students in the county get to take part in classes with a student to teacher ratio of 11 to 1, allowing for education to be more adaptive and personal.

Finally, in addition to its workforce and education, the county is also home to beautiful natural scenery which has been said to work as a magnet for tourists. Several recreational areas exist within the county like Hells Canyon National Recreation Area and the Eagle Cap Wilderness. 

Veteran Information

The county is currently home to 655 veterans, and they all have access to:

  • Wallowa County is home to two VFW post:
    • Post 4307 Eagle Cap Post – 800 N River St. Enterprise, OR 97828.
    • Post 4060 high Valley Post – 518 N. Main St. Union, OR 97883.
  • VA Medical Centers in the county:
    • Wallowa County VA Telehealth Clinic – 401 Northeast 1st St. Suite A, Enterprise, OR 97828.
  • County Veteran Assistance Information
    • Wallowa County Veteran Service Office – 401 NE 1st Enterprise, OR 97828. 

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 Wallowa 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/

Source: vahomeloancenters.org

How Long Does A VA Loan Take To Close?


Thomas Short

Posted on: December 12, 2020

There are plenty of myths associated with VA loans, many of which are completely untrue and unfounded. One of these myths is that VA loans can take forever to close.

While the average VA loan takes longer than other loan programs to close, they don’t take forever to close – in reality, according to Ellie Mae’s October 2020 Origination Report it took an average of 54 days for a VA loan to close. This includes everything, from applying for a mortgage to getting the keys to the home.

In terms of home buying, 52 days is hardly forever. Overall, all purchase loans took an average of 51 days to close in the same 90-day period. When you’re getting some of the best rates available while avoiding a downpayment, one extra day is hardly a concern.

But why does a VA loan take longer, and is there a way to speed up the process? Here are some of the factors that could speed up — or slow down — your VA home buying experience.

Check today’s VA rates.

Getting preapproved

The first thing any home buyer should do is get prequalified and preapproved. These two are similar, but they play different roles. Prequalification is the first step in the process, and it gives you an estimate on how much home you can afford.

Preapproval is more in-depth than prequalification. After finding the right lender, you’ll provide them with some more information and they’ll give you an accurate estimate of how much home you’ll be able to afford.

One thing to keep in mind is that you should try to shop below what your preapproval is. This will keep your finances from straying into a dangerous territory, and it can save you stress and time down the road.

Finding a home

The unfortunate reality of today’s housing market is that there just aren’t enough homes to keep up with demand. This can stretch your home buying process on for a long time, and it can be discouraging.

You should have a good idea of what your price range is after you get prequalified, and, if you shop well, you can have a decent list of possible homes ready by the time you get preapproved. You may even have a home in mind before you begin the entire home buying process, which can also save you some time.

But there’s guarantee that any home will work out. Bidding wars are too common, and every bidding war has a loser. If you miss out on a home, this is going to set your timeline back.

Agreeing on a timeline with the seller

After you agree to buy a home from a seller, you will agree on a purchase date and a move-in date (which could be the same).

One misconception with home buying is that people selling their homes are ready to move out now. While some are, plenty are not. You might agree on a price with the current homeowner, but you could end up having to wait an additional week or two – and possibly longer – until you actually get the house. If you’re set on a specific property, understand that this might happen.

Click to begin the home buying process.

The VA appraisal

There are plenty of horror stories surrounding VA appraisals. It’s true that your appraisal can be slow and horrible, but that isn’t always the case.

To be safe, expect the VA appraisal to take around 10 days to complete. Your lender is going to hire a VA appraiser, and not all appraisers are approved for VA homes. Also, the VA has tighter standards for what’s acceptable in an approved home. A seemingly perfect home can get slowed down by the VA appraisal. Because this is all out of your control, the best thing to do is plan for the worst.

Required fixes

The worst case scenario with a VA appraisal is that the home requires fixes. Fixes take extra time and money, two things you’re trying to avoid.

Financially, you can always as the seller to reduce the cost of the home to cover the required repairs and fixes. You can also pay for these yourself – likely the quickest way to get through the process. If the repairs are extensive, this could mean a lot of money and plenty of time. You can always walk away from the home if it isn’t right.

The length of your VA loan could take longer than most

While Ellie Mae’s average time to close is 54 days, that means plenty of homes take longer to close. With some factors completely out of your control, you should prepare for the possibility of a longer loan.

On the flip side, your loan could close much quicker than the 52 days. To increase your chances of this, be sure to have everything ready. Prequalification and preapproval are important steps, and the sooner you begin those, the sooner you can begin your journey toward a new home.

Click to begin the preapproval process.

Source: militaryvaloan.com

Does Renters Insurance Cover Your Car?

Auto and renters insurance may seem as if they overlap a bit, but when you compare the two different types of policies, the differences start to stand out.

Car and renters insurance actually work hand-in-hand, with each providing unique coverage for your car and belongings. Auto insurance covers any damage that occurs to your car from an accident or certain natural disasters. Renters insurance, on the other hand, covers the cost of any personal belongings inside your car, whether they were damaged or lost due to an accident or theft.

One common question that comes up about renters insurance is, “Does renters insurance cover car theft?” While renters insurance doesn’t cover car theft, it can help you replace any items inside your car due to theft. Here’s what you need to know about this type of coverage.

In this article

Do I need renters insurance for my car? 

If you’re a renter, you need renters insurance. Rates are quite affordable, and you may be surprised at how much a renters insurance policy actually covers. Renters insurance is designed to cover your personal belongings, both inside your rental unit and wherever your stuff happens to be, including your car or a storage unit.

If you do have a vehicle, that’s yet another reason to have renters insurance. A renters policy ensures your personal belongings are covered inside your vehicle.

Car insurance covers the “structure” of your car, the same way your landlord carries insurance to cover the structure of your rental. If you’re in an accident and you total your brand new car, your auto insurance covers the cost to replace the vehicle.

[ More: What Does Renters Insurance Cover? ]

What car insurance doesn’t cover are any items that were destroyed or lost because of the accident. For example, if you’re in a car accident and you had a valuable piece of jewelry in your car, your auto insurance would not pay for the jewelry replacement. If you have renters insurance, it would likely provide a replacement for the jewelry, based on the limits you have within your renters policy.

In what situations do I need renters insurance for my car?

There are several car-related situations in which having a renters insurance policy would benefit you, including:

  • Your car is stolen. If you have any personal belongings in your car that are lost when your car is stolen, your renters insurance would likely cover the cost.
  • You’re in a car accident and your personal property is damaged or destroyed. No matter who is at-fault, if your personal property is damaged or destroyed due to a car accident, then your renters insurance replaces it. Again, your auto insurance covers your actual car, while your renters insurance covers items inside your car.  
  • Natural disasters. Any covered natural disasters in your rental insurance policy will also cover damage or loss of your personal belongings in your car. For instance, if a fire destroys your car and your laptop was inside, you would be reimbursed for replacement of the laptop.
  • Smash-and-grab theft. If someone smashes your window and steals items from your car, your auto and renters insurance cover two different aspects. Your car insurance handles the damage to your vehicle, while your renters insurance covers the smartphone the thief took off with. 
  • Driving a rental car. Because a renters insurance policy covers your personal belongings no matter where they are, this includes a rental car. If your rental car is in an accident or stolen, you would make a claim to your renters insurance to cover any loss of personal belongings.

[ Next: How to Choose the Best Renters Insurance ]

What is not covered by renters insurance? 

As comprehensive and affordable as renters insurance policies are, there are situations where items are excluded from these types of policies.

  • Aftermarket accessories. If you’ve added upgraded stereo equipment or custom auto accessories, renters insurance does not provide replacement for these items. If you do have aftermarket accessories, look for an auto insurance policy where you can add custom equipment coverage to your policy.
  • Liability limits. Liability is included in your renters insurance and covers situations when someone is hurt while inside your rental unit. This liability does not extend to your car if you’re driving the vehicle. If someone is hurt while you’re driving, your auto insurance liability coverage would kick in.
  • Earthquakes and floods. While renters insurance policies include coverage for damage to belongings from fire, windstorm, hail and other natural disasters, earthquakes and floods are typically absent from a policy. If you leave your laptop in your car and there’s an earthquake that causes damage to the car and computer, your laptop isn’t included. However, you can add earthquake and flood coverage to your renters policy if you live in an area prone to these natural disasters.

How to save on renters insurance 

Renters insurance is affordable, with policies averaging around $180 per year, which breaks down to about $15 per month. While renters insurance is optional, don’t let a tight budget scare you from finding a policy that covers your personal belongings. You can look for ways to save on a renters insurance policy, including:

  • Bundling with car insurance savings. Almost all insurance companies offer incentives for purchasing both an auto and renters policy together.
  • Comparison shopping. Like auto insurance, comparison shopping for renters insurance is a great way to get the best policy for your budget.
  • Additional discounts. Be sure to inquire about additional discounts beyond bundling policies. Many carriers offer discounts for having smoke alarms, security systems or remaining claim-free.
  • Raise your deductible. The lower your deductible, the higher your premiums on your policy will be. You’ll have to pay your deductible every time you make a renters insurance claim. If you have a higher amount and are willing to pay more out of pocket each time, your premiums will be reduced.

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Source: thesimpledollar.com