Question 1

Does Willows qualify for USDA instead of FHA?

Accepted Answer

Parts of Glenn County are USDA-eligible. We check both programs for every borrower — USDA's zero-down beats FHA if you qualify.

Question 2

What's the FHA loan limit for Glenn County?

Accepted Answer

Glenn County uses the national FHA baseline limit. As of April 2026, confirm the current limit with us before you start shopping.

Question 3

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

Accepted Answer

Yes — the FHA 203k rehab loan wraps purchase and repair costs into one loan. It works well for older Glenn County properties.

Question 4

How does seasonal farm income affect FHA approval?

Accepted Answer

FHA allows seasonal employment income. You'll need a two-year history of the same type of work and clear documentation.

Question 5

Is FHA mortgage insurance worth it in this market?

Accepted Answer

For buyers without 20% down or strong credit, yes. Plan to refinance once your equity and credit improve to remove it.

FHA Loans in Willows, CA — Low Down, Flexible Credit