Question 1

What is the FHA loan limit in Siskiyou County?

Accepted Answer

Siskiyou County sits in the standard FHA loan limit tier. Check HUD's current limit table — it updates annually and affects your max purchase price.

Question 2

Does FHA work on homes with a well and septic?

Accepted Answer

Yes, but FHA requires water quality testing and a septic inspection. Both must pass before closing — budget extra time for rural properties.

Question 3

Can I use FHA if I have past credit problems?

Accepted Answer

FHA is built for borrowers with imperfect credit. A 580 score gets you in at 3.5% down. Rates vary by borrower profile and market conditions.

Question 4

Is USDA a better option than FHA in Montague?

Accepted Answer

Often yes. USDA requires zero down and no monthly mortgage insurance for eligible buyers. Income limits apply, so run both options side by side.

Question 5

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, FHA mortgage insurance — the monthly premium added to your payment — stays for the life of the loan.

Question 6

What makes a home fail an FHA appraisal?

Accepted Answer

Peeling paint, broken windows, missing handrails, roof damage, and health or safety hazards are common fail points. Fix visible defects before the appraiser visits.

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