Oregon VA Home Loan

Benefits of Oregon VA Home Loans.

Veterans and Service Members, you’ve earned your VA eligibility- apply for an Oregon VA Home Loan today and become a homeowner in the beautiful State of Oregon! Oregon State loves its Veterans and offers Financial Benefits, Employment Benefits, Education Benefits, and Other Benefits to its Veterans and Service Members. Call the beautiful State of Oregon your home today! On this page you will find helpful financial information about about the state of Oregon.

 

Oregon VA Loan Limits

Oregon VA Loan limits are determined by county property values goverened and reported by the FHA. Below is a list of each Oregon county with the proper loan limits

Oregon Counties

County Name State One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
BAKER OR  424,100   543,000  656,350 815,650
BENTON OR 424,100 543,000 656,350 815,650
CLACKAMAS OR 424,100 543,000 656,350 815,650
CLATSOP OR 424,100 543,000 656,350 815,650
COLUMBIA OR 424,100 543,000 656,350 815,650
COOS OR 424,100 543,000 656,350 815,650
CROOK OR 424,100 543,000 656,350 815,650
CURRY OR 424,100 543,000 656,350 815,650
DESCHUTES OR 424,100 543,000 656,350 815,650
DOUGLAS OR 424,100 543,000 656,350 815,650
GILLIAM OR 424,100 543,000 656,350 815,650
GRANT OR 424,100 543,000 656,350 815,650
HARNEY OR 424,100 543,000 656,350 815,650
HOOD RIVER OR 424,100 543,000 656,350 815,650
JACKSON OR 424,100 543,000 656,350 815,650
JEFFERSON OR 424,100 543,000 656,350 815,650
JOSEPHINE OR 424,100 543,000 656,350 815,650
KLAMATH OR 424,100 543,000 656,350 815,650
LAKE OR 424,100 543,000 656,350 815,650
LANE OR 424,100 543,000 656,350 815,650
LINCOLN OR 424,100 543,000 656,350 815,650
LINN OR 424,100 543,000 656,350 815,650
MALHEUR OR 424,100 543,000 656,350 815,650
MARION OR 424,100 543,000 656,350 815,650
MORROW OR 424,100 543,000 656,350 815,650
MULTNOMAH OR 424,100 543,000 656,350 815,650
POLK OR 424,100 543,000 656,350 815,650
SHERMAN OR 424,100 543,000 656,350 815,650
TILLAMOOK OR 424,100 543,000 656,350 815,650
UMATILLA OR 424,100 543,000 656,350 815,650
UNION OR 424,100 543,000 656,350 815,650
WALLOWA OR 424,100 543,000 656,350 815,650
WASCO OR 424,100 543,000 656,350 815,650
WASHINGTON OR 424,100 543,000 656,350 815,650
WHEELER OR 424,100 543,000 656,350 815,650
YAMHILL OR 424,100 543,000 656,350 815,650

 

County Name State One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
BAKER OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
BENTON OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
CLACKAMAS OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
CLATSOP OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
COLUMBIA OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
COOS OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
CROOK OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
CURRY OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
DESCHUTES OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
DOUGLAS OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
GILLIAM OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
GRANT OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
HARNEY OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
HOOD RIVER OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
JACKSON OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
JEFFERSON OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
JOSEPHINE OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
KLAMATH OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
LAKE OR  $                 424,100  $                         543,000  $                        656,350  $                      815,650
LANE O

Oregon Residents Save

$175/mth

Savings based on 2015 active loan data

59Gallons of gas

*Price-per-gallon based on CNN Money

21Lunches

*Based on an average lunch price of $8.08

Financial Benefits

Does the State of Oregon offer Property Tax Exemption for Veterans?

Yes. Disabled Veterans or their surviving spouse or registered domestic partner may be entitled to an exemption of $19,571 or $23,486 of their homestead property’s assessed value from property taxes. The exemption is first applied to a homestead’s taxes, with any remaining portion applied to personal property taxes.

To be eligible for an exemption of $23,486, the Veteran must own and live at their homestead property and have a disability rating of 40% or more as certified by the U.S. Department of Veterans Affairs or any branch of the U.S. Armed Forces. The surviving spouse or partner of a Veteran must own and reside at the homestead property and not have remarried or entered in to a registered domestic partnership.

To be eligible for an exemption of of $19,571, the Veteran who served in the United States Armed Forces must be certified as being 40% or more disabled every year by a licensed physician and meet an income limit of not more than 185% of the annual Federal Poverty Level Guidelines.

The exemption amounts stated above are as of January 2015 and increase 3% yearly. Contact your local tax office for more information and to apply. General tax information can be found at Oregon Department of Revenue website or by calling (800) 356-4222 or (503) 378-4988.

What is the Oregon State Veterans’ Home Loans program?

The Oregon Department of Veterans’ Affairs offers an Oregon State Veterans’ Home Loan Program that is separate and in addition to the Federal VA Home Loan Guaranty Program. This benefit allows for a maximum loan of $417,000 for a single family, owner occupied residence and is designed to provide Veterans the lowest interest rate possible. There used to be a time constraint to use this benefit. However, this benefit is now considered a lifetime benefit.

For more information and to apply, call (888) 673-8387 or (503) 373-2070.

What is the Oregon Veterans’ Small Business Repair Loan provided by the State of Oregon?

The Oregon Veterans’ Small Business Repair Loan is a loan available to Veterans recently returning from deployment whose businesses suffered setbacks during their deployment. The Veteran is eligible to apply for a zero-percent loan of up to $20,000 if they are the majority owner of their business. Contact that Oregon Department of Veterans’ Affairs at (800) 692-9666 for more information.

What is Oregon’s Emergency Assistance Program for Veterans?

The Oregon Department of Veterans Affairs (ODVA) offers temporary financial assistance to Oregon Veterans and their immediate family members who are in need of emergency assistance to provide for their basic needs. For more information, contact ODVA at (503) 373-2264 or (800) 692-9666 x2264.

What is the Conservatorship program provided to Veterans by the State of Oregon?

The Oregon Department of Veterans’ Affairs provides Estate Management for a nominal fee to certain Veterans and their dependents who are unable to manage their financial affairs. For more information, contact the Veterans’ Services Office at (800) 692-9666 or (503) 373-2085.

Employment Benefits

Does the State of Oregon offer a Civil Service Preference for Veterans applying for State Employment?

Yes. Oregon State government, including cities, counties and local service districts provide qualifying Veterans with an employment preference of 5 points (10 points if Veteran is disabled) when they submit a copy of their DD214 or DD215 with their application for Oregon State employment. A 15-year limit from the date of discharge does apply, unless the Veteran is disabled. For current job listings, visit the State of Oregon Job Opportunities

Does the State of Oregon offer unemployment benefits to Veterans returning home from service?

Yes. Veterans returning from service should contact their local Veteran Employment Representative for assistance in applying for unemployment benefits while they seek employment. A copy of the Veterans DD 214 is required to apply for benefits. For more information, call (800) 237-3710 or (503) 947-1394

What Employment Assistance does the State of Oregon provide Veterans?

Oregon State receives Federal funding through the Veterans Employment and Training Services (VETS) program to meet the employment and training needs of all Veterans of the U.S. Armed Forces. Local Veterans Employment Representatives (LVER) and Disabled Veterans Outreach Program Specialists (DVOP) are available at Oregon Employment Department field offices around the state.

Education Benefits

Does the State of Oregon offer Education Benefits to Veterans?

The Oregon Veteran Educational Aid Program is currently suspended through June 30, 2017 due to funding issues. When active, this program provides up to 36 months of educational benefits to qualified Veterans pursuing vocational training, licensing and certificates, classroom instruction and home study courses from an accredited Oregon education institution. A Veteran is eligible to receive benefits equal to the months of active duty service, up to 36 months.

For status updates and more information visit the Oregon Veteran Educational Aid Program website.

Does the State of Oregon offer Education Benefits to Dependents or Survivors of Veterans?

Yes. Oregon offers two programs for dependents or survivors of Veterans, The Oregon Community College Veterans Tuition Waiver and the Oregon University System Veterans’ Dependent Tuition Waiver.

The Oregon Community College Veterans Tuition Waiver provides a full tuition waiver for courses that may lead to an associate’s degree or certificate from Oregon community colleges. This waiver is considered a “last” dollar requirement, which means the community college may consider other sources of income the student receives before granting a waiver.

To be eligible, the student must be 23 years of age or younger at the time of application and a child of a member of the United States Armed Forces who was killed in active duty service, became 100% disabled in connection with their military service, or died as a result of a disability sustained while in active duty service. The total waiver received cannot exceed credit hours equal to two years of full time attendance. Waiver does not cover any fees associated with the courses. For more information, contact your local community college or visit the Oregon Community Colleges and Workforce Development website.

The Oregon University System Veterans’ Dependent Tuition Waiver provides a full tuition waiver for the total number of attempted credit hours required for a baccalaureate degree (four years of full-time attendance) or a master’s degree (two years of full-time attendance). The tuition waiver may be reduced by the amount of any awards from the Oregon Opportunity Grant program or federal aid scholarships or grants.

To be eligible, the student must be a child, adopted child or stepchild of a Purple Heart recipient who was honorably discharged and received the award after 2001 for wounds received in battle OR the child, adopted child, step child or unremarried surviving spouse of a member of the U.S. Armed Forces who was killed in active duty service, died as a result of service-connected disability, or is rated 100% disabled by the U.S. Veterans Affairs or U.S. Armed Forces. A child must be 23 years or younger at the time of application for a baccalaureate degree, and must apply for a master’s degree program waiver within 12 months of receiving a baccalaureate degree.

For more information and to apply, see the Veterans' Dependent Tuition Waiver Eligibility Information and Instructions form.

Does the State of Oregon offer High School Diplomas to Veterans who did not graduate from High School due to service in the U.S. Armed Forces?

Yes. Under ORS 332.114, a high school district may issue a diploma to Veterans who did not graduate from high school because they were serving in the Armed Forces of the United States if the Veteran:

  • Attended high school before entering into the Armed Forces;
  • Did not graduate from high school due to service in the Armed Forces;
  • Received an honorable discharge from the Armed Forces;
  • Served during a time of war; AND
  • Received a General Educational Development (GED) certificate, post secondary degree from an institution of higher education, or received a minimum score on the Armed Services Vocational Aptitude Battery (ASVAB) test, as determined by the Oregon Military Department.

For more information contact your local high school district. To determine if Veteran’s service was during a time of war, visit the Oregon Laws 332.114- Issuance of Diplomas to Veterans website.

Other Oregon State Benefits for Veterans

License Plates

The State of Oregon offers license plates for Veterans or their families with the following designations for a nominal fee: Congressional Medal of Honor, Disabled Veteran, Ex-POW, First Marine Division FMF, National Guard, Purple Heart, U.S. Army Special Forces Airborne, U.S. Merchant Marine, Veterans Recognition, Gold Star Family, Non-Commission officers Association, Paralyzed Veterans of America, Veterans for Human Rights, and Vietnam Veterans of America.

A portion of the fees from “VETERAN” designated plates help support the Oregon Veterans’ Home. To obtain a plate, bring your DD-214 to your local Department of Motor Vehicles Office with the appropriate form. For more information, visit the Oregon Veteran & Military Service-Related License Plates website.

Auto License Registration

Veterans who receive compensation for a service-connected disability are eligible to receive a one-time registration fee for a motor vehicle registration. For more information, contact the Department of Motor Vehicles at (503) 945-5000 (General Information) or (503) 299-9999 (Portland Metro Area).

Hunting and Fishing Licenses

Veterans with a service-connected disability rated at 25% or more are eligible to receive a free, permanent hunting and fishing license in the State of Oregon. For more information, see the Disabled Veteran Combination and Shellfish License application and contact the Oregon Department of Fish and Wildlife at (800) 720-6339.

State Park Use

Veterans with a service-connected disability can apply for a Special Access Pass free of charge from the Oregon Parks and Recreation Department. The pass is valid for four years and allows free camping and day-use privileges at all RV and tent sites at 26 Oregon State Parks year-round. For more information, contact Oregon State Parks at (800) 551-6949 or visit the Oregon State Park Special Access Pass website.

Burial Benefits

There are currently no state Veterans cemeteries located in Oregon. However, three National Veteran Cemeteries are located in Oregon:

Eagle Point National Cemetery

2763 Riley Rd.
Eagle Point, OR 97524
(541) 826-2511

Roseburg National Cemetery

913 NW Garden Valley Blvd.
Roseburg, OR 97471
(541) 677-3044

Willamette National Cemetery

11800 SE Mt. Scott Blvd.
Portland, OR 97086
(503) 273-5250

A Veteran who was discharged from the U.S. Armed Forces under conditions other than dishonorable, is eligible for burial in a national cemetery, a burial flag, Government headstone or grave marker, a Presidential Memorial Certificate, and in some instances a burial allowance at no cost to the family. In addition, their dependent spouse or children may be buried at the same cemetery for a small fee.

Visit the National Cemetery links listed above for more information on Veteran burials in the State of Oregon and the National Cemetery Administration Burial Benefits website for burial benefits available to Veterans and their dependents.

Claims Assistance

The Oregon Department of Veterans’ Affairs (ODVA) provides one-on-one assistance to Veterans, their dependents, and survivors when applying for federal or state Veterans’ benefits and obtaining records needed for such claims. For claims assistance, contact the ODVA Veterans’ Services Office at (800) 692-9666 or (503) 373-2085 (Salem) or (503) 412-4785 (Portland).

Documents

Veterans are entitled to certified copies and free recording of public records for any Veteran-related purpose- including birth, marriage, death and divorce decrees. For more information and assistance, contact your local County Recorders Office.

Veteran Homes

The State of Oregon has two Veterans’ homes:

The Dalles: Situated on 15 acres and overlooking the scenic Columbia River, The Dalles Veterans’ Home opened in 1997 and is located in the historic Columbia Gorge community of The Dalles. It is a certified Medicare/Medicaid long-term care facility with 151 beds and provides inpatient and outpatient rehabilitative care, skilled nursing, and Alzheimer’s and other dementia care to Veterans, their spouses and all parents whose children died while serving in the U.S. Armed Forces. For more information, visit their website listed above or call (800) 846-8460 or (541) 296-7190.

Lebanon: Located in Lebanon, Oregon, this brand new facility was designed around the sense of community in neighborhoods and houses that accommodate up to 14 residents per house. The houses are open and accessible where family-style meals are served with private bedrooms and baths for every client. Routine activities and social interactions increase the quality of life and social interactions in these homes. The campus can accommodate up to 154 individuals who require long-term skilled nursing care or rehabilitation services in a home-like setting to Veterans, their spouses and all parents whose children died while serving in the U.S. Armed Forces. For more information, visit their website listed above or call (541) 248-2001.

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