Question 1

Does Dunsmuir qualify for FHA loans?

Accepted Answer

Yes. FHA loans are available statewide in California. Siskiyou County properties are eligible as long as the home meets FHA condition standards.

Question 2

Is USDA better than FHA in this area?

Accepted Answer

Possibly. Dunsmuir may fall within USDA rural eligibility zones. Zero down beats 3.5% — worth checking before committing to FHA.

Question 3

What property condition issues will FHA flag?

Accepted Answer

Peeling paint, broken windows, roof damage, and missing utilities are common flags. FHA appraisers report anything affecting safety or livability.

Question 4

Can I use FHA for a cabin or seasonal property?

Accepted Answer

No. FHA requires the home to be your primary residence. Cabins used seasonally or as vacation homes don't qualify.

Question 5

How does mortgage insurance work on FHA?

Accepted Answer

FHA charges an upfront MIP of 1.75% plus a monthly premium. On most loans today, monthly MIP runs for the life of the loan.

Question 6

What if my income is seasonal or irregular?

Accepted Answer

FHA allows seasonal income with a two-year history. Document it with tax returns — lenders will average it, not use peak earnings.

FHA Loans in Dunsmuir, CA — Low Down, Real Approval