Question 1

Is Orland eligible for USDA loans?

Accepted Answer

Yes. Orland is in rural Glenn County and generally qualifies. Always confirm the specific address on the USDA eligibility map before proceeding.

Question 2

What income limit applies in Glenn County?

Accepted Answer

USDA sets limits by county and household size. Glenn County limits are moderate — check the USDA portal or ask us to run your number.

Question 3

Do I need a down payment with a USDA loan?

Accepted Answer

No. USDA is a true zero-down program. You may still need cash for closing costs, though seller concessions can cover those.

Question 4

How is USDA mortgage insurance structured?

Accepted Answer

There's a 1% upfront guarantee fee and a 0.35% annual fee. Both are lower than FHA mortgage insurance for most buyers.

Question 5

Can I buy a farm or large acreage with a USDA loan?

Accepted Answer

USDA is for primary residences, not income-producing farms. Large parcels can be tricky — the home site must be the primary use.

Question 6

How long does a USDA loan take to close?

Accepted Answer

Expect 30-45 days. USDA requires a final file review that adds time. Choose a lender with USDA experience to avoid delays.

USDA Loans in Orland, CA — Zero Down in Glenn County