Question 1

What credit score do I need for FHA in Orland?

Accepted Answer

580 gets you the 3.5% down program. Between 500-579, you'll need 10% down.

Question 2

Can I use FHA to buy a farm property in Glenn County?

Accepted Answer

FHA covers the residential structure and a reasonable lot. It won't finance working farmland or outbuildings.

Question 3

Does Orland qualify for USDA loans too?

Accepted Answer

Much of Glenn County qualifies for USDA. Check eligibility early — USDA can save you more than FHA.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP stays for the life of the loan. Putting 10% or more down cuts it to 11 years.

Question 5

What is the FHA loan limit for Glenn County?

Accepted Answer

Glenn County falls under standard FHA limits, not high-cost California caps. Contact us for the current figure.

Question 6

Can self-employed borrowers use FHA in Orland?

Accepted Answer

Yes. FHA allows self-employed income with two years of tax returns. Agricultural income needs full documentation.

FHA Loans in Orland, CA — Low Down, Real Approval