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Discover vibrant college town living with CSU Chico, one of America's largest municipal parks, and a thriving downtown arts scene.
Explore mortgage options in Chico, Butte County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK Capital's local mortgage team.
College town real estate insights and mortgage rates
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* Rates shown as of Mar 29, 2026, 4:09 AM PST and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © 2026 SRK CAPITAL INC.
Historic core with Victorian homes, restaurants, and nightlife
Student-friendly area near CSU Chico with rental properties
Tree-lined streets with Craftsman homes near Lower Bidwell Park
Family neighborhoods with parks and newer construction
Master-planned community with golf course and trails
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Chico
Sierra foothills community with pine forests and valley views
Gateway to Lake Oroville and California's tallest dam
Agricultural gem famous for Red Suspenders Days festival
Glenn County seat with small-town charm and agricultural roots
Olive City of the World with rich agricultural heritage
From downtown Victorians to modern homes near Bidwell Park, find your perfect Chico property. Get pre-approved with competitive rates and local expertise.
Updated 3/29/2026
Butte Ca Chico is updated daily with practical mortgage guidance for this page.