Question 1

What is the FHA loan limit in Siskiyou County?

Accepted Answer

FHA loan limits in Siskiyou County fall in the standard national range for low-cost areas. Contact us for the current limit — it adjusts annually.

Question 2

Can I use FHA to buy land with a home in Fort Jones?

Accepted Answer

FHA covers the home and the land it sits on. Raw land purchases without an existing structure don't qualify for FHA financing.

Question 3

Does Fort Jones qualify for USDA loans too?

Accepted Answer

Much of Siskiyou County is USDA-eligible. We run both programs side by side so you get the lower monthly payment.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, FHA mortgage insurance lasts the full loan term. Put 10% or more down and it cancels after 11 years.

Question 5

Can a seller pay my closing costs on an FHA loan?

Accepted Answer

Yes. FHA allows sellers to contribute up to 6% of the purchase price toward your closing costs. That's a real negotiating tool in a slower rural market.

Question 6

Will a fixer-upper qualify for FHA in Fort Jones?

Accepted Answer

Standard FHA requires the home to be livable at closing. For true fixer-uppers, ask about the FHA 203k rehab loan instead.

FHA Loans in Fort Jones, CA — Low Down, Real Approval