california va loan

Table of Contents

What is the Sacramento VA Loan Limit?

The current loan limi for Sacramento is $670,050

How to Apply for a VA Home Loan?

This is a quick look at how to apply for a VA home loan in Sacramento County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house 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 Sacramento 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 Sacramento 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 Sacramento County and schedule the process
   • Construction loan note: Construction permit/appraisal info
     1. Building permit
     2. Elevation certificate
7. Lock in your interest rates
   • Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
8. Close the deal and get packing!
   • You’re ready to go.

What is the Median Home Price?

As of March 31^st, 2020, the median home value for Sacramento County is $402,230. In addition, the median household income for residents of the county is $63,902 which is higher than the national average.

How much are the VA Appraisal Fees?

• Single-Family: $700.
• Individual Condo: $700.
• Manufactured Homes: $750.
• 2-4 Unit Multi-Family: $900.
• 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 Sacramento County, the most significant flood hazard areas are around the Sacramento River which borders the county in the west. In addition, there are other flood hazard areas around the Mokelumne River which also borders the county to the south.

How do I learn about Property Taxes?

• Christina Wynn is the Sacramento county tax assessor. Her office can be reached at 3701 Power Inn Road floor 3 Suite 3000, Sacramento, California 95826. In addition, her office can also be reached by calling (916) 875-0700.
• The state of California offers incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are the California Competes Tax Credit which offers qualifying businesses with a tax credit, and the New employment Credit which offers a tax credit for taxpayers who hire full-time employees. Furthermore, the state offers several other programs to further diversify the state’s economy.

What is the Population?

• As of 2019, Sacramento County’s population is 1,552,058 which has seen a 9% increase in the last decade. Moreover, demographically speaking, 44% of the population is White, with 23% Hispanic, and 16% Asian.
• Most county residents are between 18 and 65 years old, with 23% under 18 years old and 14% older than 65.
• In total, the county has about 536,029 households, with an average of two people per household.

What are the major cities?

The county has seven cities, including the city of Sacramento which serves as the county seat. In addition, the six other cities in the county are Citrus Heights, Elk Grove, Folsom, Galt, and Rancho Cordova.

About Sacramento County

Today, Sacramento County is the fifth-largest metropolitan area in the state and its economy’s biggest employment industries are healthcare, retail trade, and public administration. Hence, the most common occupations in the county are in the office, sales, and management sectors.

In addition to its existing industries, the county is also offering incentive programs for growing and relocating businesses. The incentives, which are offered by the county’s Office of Economic Development come in the form of tax incentives, infrastructure development, green incentives, and fast-track permitting.

Educationally speaking, the county has thirteen school districts that offer education to students ranging from pre-K to 12^th grade of High School. In addition, the county also offers higher education with California State University-Sacramento, American River College, and Sacramento City College.

The county is also home to rich art and culture institutions like the Community Center Theatre, the Memorial Auditorium, and the Wells Fargo Pavilion. Moreover, the county is also home to several museums like the Crocker Art Museum, the California Museum for History, Women, and the Arts, as well as the California State Railroad Museum in Old Sacramento. In addition, there are 26 museums in the county that offer free admission to visitors.

Finally, the county is also home to several parks which enable residents and visitors to enjoy the outdoors and the beautiful weather. Parks like the American River Parkway and William Land Park are parts of the over 5,000 acres worth of parkland and recreational areas in the county. In addition, the county is ranked third-best park system among the 50 most populous cities in the country, tied with Boston and San Francisco.

Veteran Information

Sacramento County is currently home to 80,343 veterans.

• Sacramento County is home to five VFW post:
  • Post 67 Lieutenant Lansdale – 2784 Stockton Blvd, Sacramento, CA 95817. 
  • Post 8358 Chung Mei – 2784 Stockton Blvd, Sacramento, CA 95817.
  • Post-1267 Terry W. Nelson Memorial – 7576 Stockton Blvd, Sacramento, CA 95823.
  • Post 8985 Nisei – 1515 4^th Street, Sacramento, CA 95814.
  • Post 10125 Rancho Cordova – 10124 Coloma Road Rancho Cordova, CA 95670. 
• VA Medical Centers in the county:
  • Citrus Heights Vet Center – 5650 Sunrise Blvd., Suite 150, Citrus Heights, CA 95610.
• County Veteran Assistance Info.

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): BRIDGEFIELD (007660) Address: ANTELOPE CA 95843 SACRAMENTO Status: HUD Accepted Request Received Date: 02/07/2008 Review Completion Date: 02/07/2008	Name (ID): 14TH & R STREET MIXED USE (008401) Address: AKA R STREET LOFTS SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/31/2009 Review Completion Date: 09/21/2009
Name (ID): 2020 H STREET CONDOMINIUMS (000038) Address: AKA H STREET LOFTS SACRAMENTO CA 95811 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/04/2011 Review Completion Date: 02/20/2012	Name (ID): ALTURA VILLAS (000075) Address: 885 HALIDON WAY FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/27/2013 Review Completion Date: 03/31/2013
Name (ID): AMARA CONDOMINIUM (000374) Address: 1900 DANBROOK DRIVE SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/03/2019 Review Completion Date: 03/26/2019	Name (ID): AMHERST PLACE (C00443) Address: AMHERST PLACE SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/31/1998 Review Completion Date: 12/31/1998
Name (ID): ARTISAN SQUARE (000438) Address: 5301 E COMMERCE WAY SACRAMENTO CA 95835 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/23/2019 Review Completion Date: 12/30/2019	Name (ID): BELLA ROSE CONDOMINIUMS (007313) Address: 4200 E. COMMERCE WAY SACRAMENTO CA 95834 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/17/2005 Review Completion Date: 05/25/2005
Name (ID): BIG HORN CONDOMINIUMS (007687) Address: ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 02/27/2008 Review Completion Date: 02/27/2008	Name (ID): BRIDGEWAY TOWERS (000147) Address: N STREET SACARMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/09/2015 Review Completion Date: 04/21/2015
Name (ID): CARRIAGE LANE (007394) Address: NONE SACRAMENTO CA 95834 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/02/2006 Review Completion Date: 04/02/2006	Name (ID): COBBLESTONE GLEN 1-3 (C01044) Address: SACRAMENTO CA 95856-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/23/1992 Review Completion Date: 06/23/1992
Name (ID): COLOMA ESTATES #2 (C01068) Address: LOT 85 RANCHO CORDOVA CA 95670-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/19/1980 Review Completion Date: 12/19/1980	Name (ID): COLOMA ESTATES 1 & 2 (C00448) Address: RANCHO CORDOVA CA 95670-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/19/1976 Review Completion Date: 12/19/1976
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable	Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable	Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COTTAGE PARK CONDO (C00449) Address: COTTAGE PARK CONDO CARMICHAEL CA 95608-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/30/1999 Review Completion Date: 11/30/1999	Name (ID): ESPLANADE OWNERS ASSOCIATION (000344) Address: ESPLANADE CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/24/2018 Review Completion Date: 08/08/2018
Name (ID): FRANKLIN VILLA ESTATES (001042) Address: SACRAMENTO CA 95823-2958 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/21/2004 Review Completion Date: Unavailable	Name (ID): GREENBACK ESTATES #2-4 (C01043) Address: GREENBACK & VAN MAREN CITRUS HEIGHTS CA 95621-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/14/1980 Review Completion Date: 08/14/1980
Name (ID): GREENBACK ESTATES 1-4 (007065) Address: CITRUS HEIGHTS CA 95610 SACRAMENTO Status: HUD Accepted Request Received Date: 09/05/2002 Review Completion Date: 09/05/2002	Name (ID): GREENBACK TOWNHOMES EAST (000503) Address: 6673 GREENBACK LANE CITRUS HEIGHTS CA 95621 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/14/2020 Review Completion Date: 09/20/2020
Name (ID): GREYSTONE TERRACE (C00455) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/14/1992 Review Completion Date: Unavailable	Name (ID): HAMPTON VILLAGE CONDO (007434) Address: none SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/10/2006 Review Completion Date: 09/10/2006
Name (ID): HEMLOCK STREET CONDOS (C00456) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/07/1996 Review Completion Date: Unavailable	Name (ID): HIDDEN OAK CONDOMINIUMS (C01245) Address: CARMICHAEL CA 95608-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/26/1996 Review Completion Date: 11/26/1996
Name (ID): HILLSDALE ESTATES (007255) Address: SACRAMENTO CA 95842 SACRAMENTO Status: HUD Accepted Request Received Date: 03/28/2004 Review Completion Date: Unavailable	Name (ID): JASMINE (008071) Address: 5611 TARES CIRCLE ELK GROVE CA 95757 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/23/2008 Review Completion Date: 12/21/2008
Name (ID): LAGUNA BIG HORN CONDOS (008207) Address: AKA BIG HORN ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 04/02/2009 Review Completion Date: 04/02/2009	Name (ID): LAGUNA OAKS (007555) Address: ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 08/07/2007 Review Completion Date: 08/07/2007
Name (ID): LATITUDES AT MONTEREY VILLAGE (000361) Address: 4522 OCEAN LANE ELK GROVE CA 95757 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/30/2018 Review Completion Date: 01/30/2019	Name (ID): MADISON VILLA ESTATES (C01039) Address: ALL PHASES SACRAMENTO CA 95841-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/31/1980 Review Completion Date: 01/31/1980
Name (ID): [email protected] RANCH (007762) Address: PHASES 1-7 FOLSON CA 95630 SACRAMENTO Status: HUD Accepted Request Received Date: 04/30/2008 Review Completion Date: 05/04/2008	Name (ID): MARBRO COMMONS (C01057) Address: AKA 1810 K STREET SACRAMENTO CA 90000-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/23/1994 Review Completion Date: Unavailable
Name (ID): MYSTIQUE (000435) Address: 3048 MACON DR SACRAMENTO CA 95835 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/16/2019 Review Completion Date: 01/29/2020	Name (ID): MYSTIQUE (007759) Address: SACRAMENTO CA 95835 SACRAMENTO Status: HUD Accepted Request Received Date: 05/05/2008 Review Completion Date: 05/06/2008
Name (ID): NORTH LAGUNA POINTE (007426) Address: CONDOMINIUMS ELK GROVE CA 95758 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/08/2006 Review Completion Date: 08/08/2006	Name (ID): NORTHRIDGE PARK HOA (008241) Address: AKA LAKE KNOLLS ESTATES FAIR OAKS CA 95628 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/03/2009 Review Completion Date: 05/13/2009
Name (ID): OUTLOOK AT TREEHOUSE (007865) Address: FOLSOM CA 95630 SACRAMENTO Status: HUD Accepted Request Received Date: 07/07/2008 Review Completion Date: 07/09/2008	Name (ID): PARK PLACE AT REGENCY (007351) Address: PARK CONDOMINIUMS SACRAMENTO CA 95835 SACRAMENTO Status: HUD Accepted Request Received Date: 09/13/2005 Review Completion Date: 09/13/2005
Name (ID): PARKRIDGE (000008) Address: CONDOMINIUMS SACRAMENTO CA 95822 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/29/2010 Review Completion Date: 02/17/2010	Name (ID): PENTHOUSES @ CAPITOL PARK (000028) Address: @ 15TH STREET & L STREET SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/30/2012 Review Completion Date: 03/14/2012
Name (ID): RIDGEPOINT COLONY PHASE I (C00472) Address: NORTH HIGHLANDS CA 99999-0000 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/28/1983 Review Completion Date: Unavailable	Name (ID): RIDGEPOINT CONDOMINIUMS (000019) Address: RIDGEPOINT SACRAMENTO CA 95842 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/10/2011 Review Completion Date: 06/28/2011
Name (ID): RIDGEPOINT CONDOMINIUMS (000009) Address: SCRAMENTO CA 95842 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/15/2011 Review Completion Date: 06/28/2011	Name (ID): RIDGEPOINT CONDOS PH.1-7 (C00471) Address: AKA RIDGEPOINTE COLONY NORTH HIGHLANDS CA 95842-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/12/1993 Review Completion Date: 06/12/1993
Name (ID): RIVARA WOODS (C00473) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/12/1985 Review Completion Date: Unavailable	Name (ID): SOMERSET PARKSIDE CONDO (007797) Address: SACRAMENTO CA 99999 SACRAMENTO Status: HUD Accepted Request Received Date: 05/13/2008 Review Completion Date: 05/18/2008
Name (ID): STONEHEDGE CONDOMINIUMS/ (C01140) Address: STONEHEDGE COMMUNITY ASSN CITRUS HEIGHTS CA 95818-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/11/1990 Review Completion Date: 07/11/1990	Name (ID): STONEHENGE CONDOS (C00475) Address: AKA COVENTRY SQUARE CITRUS HEIGHTS CA 85621-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 10/20/1993 Review Completion Date: 10/20/1993
Name (ID): SUNDANCE (007411) Address: 12400 FAIR OAKS BLVD. FAIR OAKS CA 95628 SACRAMENTO Status: HUD Accepted Request Received Date: 06/13/2006 Review Completion Date: 06/13/2006	Name (ID): SYRAH AT NATOMAS PARK (000231) Address: LOT 1 PHASE 1-6 SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/28/2016 Review Completion Date: 05/14/2017
Name (ID): THE MILL AT BROADWAY NO 4 (000417) Address: 278 LOG POND LANE SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/16/2019 Review Completion Date: 09/24/2019	Name (ID): THE MILL AT BROADWAY NO. 2 (000337) Address: 2500 CLEAT LANE SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/03/2018 Review Completion Date: 06/12/2018
Name (ID): THE MILL AT BROADWAY NO.1 (000205) Address: 2640 5TH ST SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/31/2016 Review Completion Date: 08/21/2016	Name (ID): THE RIVAGE (007822) Address: RIVAGE CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/02/2008 Review Completion Date: 06/03/2008
Name (ID): TIMBERLAKE CONDO (C00477) Address: 1051 FULTON AVE SACRAMENTO CA 95825-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/31/2000 Review Completion Date: 12/31/2000	Name (ID): UNION SQUARE (007396) Address: FERRY CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/19/2006 Review Completion Date: 04/19/2006
Name (ID): VESSONA CONDOMINIUMS (008205) Address: FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/31/2009 Review Completion Date: 04/09/2009	Name (ID): VICTORIAN VILLAGE CONDO 2 (007171) Address: SACRAMENTO CA 94203 SACRAMENTO Status: Accepted With Conditions Request Received Date: 07/28/2003 Review Completion Date: Unavailable
Name (ID): VILLA SAN JUAN 1 – 8 (C00481) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/29/1983 Review Completion Date: Unavailable	Name (ID): VILLE MAISON (007395) Address: CARRIAGE LANE II SACRAMENTO CA 95834 SACRAMENTO Status: HUD Accepted Request Received Date: 04/06/2006 Review Completion Date: 04/06/2006
Name (ID): WASHINTON PARK VILLAGE (007754) Address: PHASE 1 & 2 SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/29/2008 Review Completion Date: 05/12/2008	Name (ID): WESTLAKE (000501) Address: 4800 WESTLAKE PKWY SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/13/2020 Review Completion Date: 10/06/2020
Name (ID): WESTWOOD VILLAGE CONDOMINIUMS (C00483) Address: 8020 WALERGA RD ANTELOPE CA 95843-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/28/1993 Review Completion Date: 07/28/1993	Name (ID): WESTWOOD VILLAGE UNIT 1&2 (C00482) Address: LOTS 1-5 IN 1, 1-8 IN 2 SACRAMENTO CA 95843-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/06/1993 Review Completion Date: 06/06/1993
Name (ID): WOODSIDE (C01072) Address: SACRAMENTO CA 95825-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/18/1983 Review Completion Date: 05/18/1983

Links

California VA Loan Information

VA Loan Information by State

Source: vahomeloancenters.org