Question 1

What's the conforming loan limit in Siskiyou County?

Accepted Answer

The 2026 limit is $806,500 for a single-family home. Most Montague properties fall well under that threshold, making conforming loans widely available.

Question 2

Can I use a conforming loan on acreage outside Montague?

Accepted Answer

Yes, conforming loans cover rural properties with acreage. Lenders may limit to 10-40 acres depending on the property's primary use and appraisal comparables.

Question 3

Do I need flood insurance in Montague?

Accepted Answer

Only if your property sits in a FEMA flood zone. Most of Montague stays outside flood maps, but lenders order a flood cert to confirm.

Question 4

How does conforming compare to USDA loans here?

Accepted Answer

USDA offers zero down but has income limits and property eligibility rules. Conforming gives you more flexibility if you exceed USDA income caps.

Question 5

What if my Montague property has an old well?

Accepted Answer

Lenders require well water testing for bacteria and nitrates. Results must meet EPA standards before closing. Budget $200-400 for testing.

Conforming Loans in Montague: Rural Siskiyou County Access to Lower Rates