Question 1

What is the FHA loan limit in Butte County for 2026?

Accepted Answer

FHA loan limits are set annually by county. Contact us for the current Butte County limit — it determines your max FHA purchase price in Chico.

Question 2

Can I use FHA to buy a fixer-upper in Chico?

Accepted Answer

Yes, with an FHA 203k rehab loan. It wraps purchase and renovation costs into one loan — useful for Chico's older housing stock.

Question 3

Does FHA require a home inspection in Chico?

Accepted Answer

FHA requires an appraisal, not a full inspection. But always get an independent inspection — especially on older Butte County properties.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, FHA mortgage insurance lasts the life of the loan. Put 10% or more down and it drops off after 11 years.

Question 5

Can I get an FHA loan after the Camp Fire affected my credit?

Accepted Answer

Possibly. FHA has provisions for extenuating circumstances. A broker can review your timeline and find lenders with the most flexibility.

Question 6

Is FHA a good option for CSU Chico students or recent grads?

Accepted Answer

It can be. Student loan debt affects your DTI calculation. We run those numbers across lenders to find who counts it most favorably.

FHA Loans in Chico, CA — Low Down, Real Path to Ownership