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California's only incorporated city in Modoc County, where Warner Mountains meet Pit River at 4,370 feet elevation in the last best place.
Explore mortgage options in Alturas, Modoc County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing.Get personalized rates and expert guidance from SRK Capital's local mortgage team.
Modoc County's only incorporated city at Pit River confluence
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* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
County seat center with courthouse and historic Main Street businesses
Rural properties along the north fork of Pit River with mountain views
Agricultural area with wetlands and wild rice fields
Pit River Indian community with casino and tribal lands
Residential area with established homes near downtown amenities
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Discover mortgage opportunities in communities near Alturas
Historic farming community near Tule Lake National Wildlife Refuge
Gateway to Lassen Volcanic National Park and county seat
Historic Gold Rush town and Siskiyou County seat
Small border town near Oregon with rural mountain charm
Regional hub with Sundial Bridge and outdoor recreation
Secure rural financing for Alturas living where the West still lives - Warner Mountains views, Modoc National Forest access, and the last best place in California.
Updated 4/10/2026
Modoc Ca Alturas is updated daily with practical mortgage guidance for this page.