Question 1

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

Accepted Answer

Yes — the FHA 203k rehab loan wraps purchase and renovation costs into one loan. It's more paperwork, but it solves the condition problem upfront.

Question 2

Does FHA work for manufactured homes in Humboldt County?

Accepted Answer

FHA does finance manufactured homes, but the property must meet HUD standards and be on a permanent foundation. Many older rural units don't qualify.

Question 3

How much is FHA mortgage insurance?

Accepted Answer

You pay an upfront MIP of 1.75% of the loan amount, plus an annual premium split into monthly payments. It stays for the life of the loan with less than 10% down.

Question 4

What's the FHA loan limit in Humboldt County?

Accepted Answer

FHA loan limits are set by county. Check current Humboldt County limits with us directly — they adjust periodically and affect your maximum borrowing amount.

Question 5

Can a seller pay my closing costs on an FHA loan?

Accepted Answer

Yes. FHA allows seller concessions up to 6% of the purchase price. In a slower market like Blue Lake, sellers are often willing to negotiate this.

FHA Loans in Blue Lake, CA: Low Down, Real Path to Ownership