Question 1

Who are community mortgages designed for?

Accepted Answer

Buyers in underserved areas with non-traditional income or credit challenges. Mount Shasta's rural profile fits this well.

Question 2

Can I use a community mortgage on a cabin or rural property?

Accepted Answer

Some programs allow it. Property type and condition still matter — we'll match you to lenders that work with Siskiyou County properties.

Question 3

How does this compare to a USDA loan?

Accepted Answer

USDA offers zero down but has strict eligibility rules. Community mortgages accept profiles USDA turns away.

Question 4

Do community mortgages have higher rates?

Accepted Answer

Rates vary by borrower profile and market conditions. Some programs carry subsidized rates — others don't. We shop across lenders to find the best fit.

Question 5

Can seasonal workers qualify in Mount Shasta?

Accepted Answer

Yes — many community programs accept seasonal income. Two years of documented history is typically required.

Community Mortgages in Mount Shasta, CA