Question 1

Does Yreka qualify for FHA loans?

Accepted Answer

Yes. FHA is available in all California cities including Yreka. Standard loan limits for Siskiyou County apply.

Question 2

What credit score do I need for FHA in Yreka?

Accepted Answer

580 gets you 3.5% down. Between 500 and 579, lenders require 10% down instead.

Question 3

Can I use FHA and USDA in Yreka?

Accepted Answer

Both programs are available here. USDA requires zero down — worth checking before committing to FHA.

Question 4

How does mortgage insurance work on FHA loans?

Accepted Answer

You pay 1.75% upfront plus an annual fee. On most FHA loans, that annual fee stays for the life of the loan.

Question 5

Is it hard to get an FHA appraisal in rural Siskiyou County?

Accepted Answer

Sparse comparable sales make rural appraisals slower. Work with a lender experienced in rural California files.

Question 6

Can I get rid of FHA mortgage insurance later?

Accepted Answer

Yes — by refinancing into a conventional loan once you have enough equity. Plan for it from the start.

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