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Quincy is the Plumas County seat in American Valley, with the courthouse, the college and the hospital all in a town of five thousand.
Explore mortgage options in Quincy, Plumas 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.
County-seat prices in American Valley
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The old commercial street with the courthouse, the shops and the Victorians behind them.
The eastern side of the valley with newer housing and larger lots.
A wooded valley west of town with rural parcels and long driveways.
* 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, $149.50 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.
In Quincy, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Quincy sits in Plumas County, part of Northern California's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Quincy borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Quincy borrowers frequently compare options against nearby communities such as Chester, Graeagle, Portola.
Updated 9/27/2026
Plumas Ca Quincy is updated daily with practical mortgage guidance for this page.