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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 San Joaquin 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 San Joaquin County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
- Get your Certificate of Eligibility (COE)
- Give us a call at (877) 432-5626 and we’ll get your COE for you.
- Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
- Get pre-approved, to get pre-approved for a loan, you’ll need:
- Previous two years of W2s
- Most recent 30 days paystubs or LES (active duty)
- Most recent 60 days bank statements
- Landlord and HR/Payroll Department contact info
- Find a home
- We can help you check whether the home is in one of the San Joaquin County flood zones
- Get the necessary inspections
- Termite inspection: required
- Well or septic inspections needed, if applicable
- Get the home appraised
- We can help you find a VA-Certified appraiser in San Joaquin County and schedule the process
- Construction loan note: Construction permit/appraisal info
- Building permit
- Elevation certificate
- 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.
- Close the deal and get packing!
- You’re ready to go.
What is the Median Home Price?
As of March 31st, 2021, the median home value for San Joaquin County is $448,453. In addition, the median household income for residents of the county is $64,432. which is higher than the national average.
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 San Joaquin County, there are several flood hazard areas around the San Joaquin River which run through the county. However, several levies have been built to manage potential flood areas around the county. In addition, areas surrounding French Camp Slough, the Old River, and Mormon Slough are also considered potential flood hazards.
How do I learn about Property Taxes?
- Steve J. Bestolarides is the San Joaquin county tax assessor. His office can be reached at 44 North San Joaquin Street Second Flood, Suite 230 Stockton, CA 95202. In addition, his office can also be reached by calling (209) 468-2630.
- 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. The latter of 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?
- The county’s population of 762,148 is 41% Hispanic, 31% White, and 17% Asian.
- Most county residents are between 18 and 65 years old, with 27% under 18 years old and 13% older than 65.
- In total, the county has about 226,727 households, with an average of three people per household.
What are the major cities?
The county has seven cities, including the city of Stockton which serves as the county seat. Also, the county is home to six other cities including Escalon, Lathrop, Lodi, Manteca, Ripon, and Tracy.
About San Joaquin County
As a result of neighboring San Francisco’s growth, San Joaquin County has seen a big increase in its population and as a result has seen increased economic growth. In addition, the county is also home to the Employment & Economic Development Department which provides employee training, education, and economic services for new and growing businesses.
When it comes to education, the county is home to 14 public school districts as well as various school districts. In addition, the county is also home to higher education institutions like San Joaquin Delta College, University of the Pacific, and Teachers College of San Joaquin. Furthermore, the most common concentrations for students in the county are humanistic studies, liberal arts, and social sciences.
In addition to its strong economy and quality educational institutions, the county is also a great place to enjoy the local culture and history. These include the Bakersfield Museum of Art, the Buena Vista Museum of Natural History, and the Stockton Field Aviation Museum. Moreover, the county is also home to art institutions like the Stockton Symphony, and the Stockton Memorial Civic Auditorium.
Finally, the county is also full of recreational opportunities like Micke Grove Park, the Regional Sports Complex, and the Woodridge Wilderness Area. Furthermore, the county is also home to several celebratory events which include the Greek Festival, the Lodi Obon festival, and the San Joaquin County fair.
Veteran Information
The county is currently home to 30,296 veterans.
- Bases Nearby:
- San Joaquin County is home to four VFW post:
- Post 52 Luneta – 513 North Center Street, Stockton, CA 95202.
- Post 6311 Jimmie Connors – 580 Moffat Blvd. Manteca, CA 95336.
- Post 1051 Nicholas P. Kukulica Sr. – 12455 W Ripon Rd., Ripon, CA 95366.
- Post-1537 Tracy – 35 E. 6th Street, Tracy, CA 95376.
- VA Medical Centers in the county:
- Delta Vet Center – 1327 historical Plaza Way, Manteca, CA 95336.
- County Veteran Assistance Information
- San Joaquin County Veteran’s Services Office – 105 South San Joaquin Street, Stockton, CA 95202.
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): BRIDGEBERRY CONDOMINIUMS (008472) Address: TRACT 2575 WOODBRIDGE CA 95258 |
Name (ID): BROOKSIDE TERRACE (C01355) Address: TOWNHOUSE CONDOMINIUMS LODI CA 95267 |
| Name (ID): CAMBRIDGE PLACE (007697) Address: MOUNTAIN HOUSE CA 95391 |
Name (ID): CASTAWAY AT RIVER ISLANDS (000354) Address: 1493 CURRENTS WAY LATHROP CA 95330 |
| Name (ID): CAVENDISH SQUARE (008271) Address: CONDOMINIUMS STOCKTON CA 95219 |
Name (ID): EMBARCADERO WEST (000218) Address: 6669 EMBARCADERO DRIVE #18 STOCKTON CA 95219 |
| Name (ID): FOX CREEK I & II (C00520) Address: STOCKTON CA 99999-0000 |
Name (ID): LODI WOODLAKE NORTH (000328) Address: 2401 EILERS LANE LODI CA 95242 |
| Name (ID): PARKSIDE CONDOMINIUMS (007902) Address: STOCKTON CA 95204 |
Name (ID): RIVER ROCK CONDOMINIUMS (007751) Address: PACIFIC COMMONS TRCT 1600 STOCKTON CA 95207 |
| Name (ID): RIVERGATE COMMONS (000253) Address: 1142 RIVERGATE DRIVE LODI CA 95240 |
Name (ID): THE REGENCY CONDOMINIUMS (007408) Address: STOCKTON CA 95204 |
| Name (ID): VICTORIAN VILLAGE ONE (007472) Address: STOCKTON CA 95207 |
Name (ID): VILLAGE AT SUMMERGATE (C00528) Address: TR. 2510, PHASES I – V TRACY CA 99999-0000 |
| Name (ID): WESTLAKE VILLAGE CONDO’S (C01264) Address: UNITS #1 – #52 ONLY STOCKTON CA 95207-0000 |
Name (ID): WOODLAKE PLACE SOUTH (000355) Address: 2400 EILERS LANE LODI CA 95240 |
Links
California VA Loan Information
VA Loan Information by State
Source: vahomeloancenters.org