Question 1

What is the conforming loan limit for Siskiyou County?

Accepted Answer

Siskiyou County follows the standard conforming loan limit set by the FHFA each year. Most Fort Jones purchases fall comfortably within that limit.

Question 2

Can I use a conforming loan to buy a property with acreage?

Accepted Answer

Yes, but the property must be primarily residential. Lenders review the land-to-improvement ratio closely on acreage parcels.

Question 3

Do I need a well and septic inspection to get approved?

Accepted Answer

Conforming guidelines typically require a well water test and septic certification. Budget time and money for those inspections upfront.

Question 4

How does my credit score affect my rate in Fort Jones?

Accepted Answer

Conforming pricing is tiered by credit score. A 760 score can save you significantly versus a 680 over a 30-year loan.

Question 5

Is a 30-year fixed still the best option given current rates?

Accepted Answer

As of April 2026, 30-year fixed rates are elevated. An ARM may price lower if you plan to sell or refinance within 7 years.

Conforming Loans in Fort Jones, CA