Question 1

Can I use FHA to buy land with a home in Siskiyou County?

Accepted Answer

FHA insures the structure, not raw land. The home must be the primary dwelling on the lot and meet FHA's property standards.

Question 2

Does Mount Shasta qualify for USDA as well as FHA?

Accepted Answer

Much of Siskiyou County falls within USDA eligible zones. Check the USDA map — zero-down USDA may beat FHA for rural buyers.

Question 3

What FHA loan limit applies in Siskiyou County?

Accepted Answer

Siskiyou County falls under the national FHA floor limit for low-cost areas. Your broker can confirm the current single-family cap before you shop.

Question 4

Will a wood stove cause problems on an FHA appraisal?

Accepted Answer

FHA requires an adequate heat source for the entire home. A wood stove alone may not satisfy that requirement — expect scrutiny.

Question 5

How long does FHA approval take in a rural county?

Accepted Answer

Expect 30-45 days. Rural appraisals take longer due to limited comparable sales, so build that buffer into your purchase contract.

FHA Loans in Mount Shasta, CA