Question 1

Can I use a conventional loan on a property with acreage in Fort Jones?

Accepted Answer

Yes, but lenders scrutinize larger parcels. Confirm the property is primarily residential — not agricultural — before applying.

Question 2

What credit score gets me the best conventional rate?

Accepted Answer

740 and above hits the best pricing tiers. Below 700, your rate climbs fast.

Question 3

How much do I need to put down in Siskiyou County?

Accepted Answer

As little as 3% for first-time buyers. Put down 20% and you skip PMI entirely.

Question 4

Does PMI go away on a conventional loan?

Accepted Answer

Yes. Once you hit 80% loan-to-value, you can request cancellation. It drops automatically at 78%.

Question 5

Are conventional loans harder to get in rural California?

Accepted Answer

Not harder — just different. Rural appraisals take more expertise. The right lender makes it routine.

Question 6

What's the conforming loan limit for Siskiyou County?

Accepted Answer

Siskiyou County follows the standard conforming limit. Most Fort Jones purchases fall well within it.

Conventional Loans in Fort Jones, CA