Question 1

Does Red Bluff qualify for USDA loans?

Accepted Answer

Most of Red Bluff and Tehama County falls within USDA-eligible zones. Always verify the specific property address before making an offer.

Question 2

What income limit applies in Tehama County?

Accepted Answer

USDA income limits are based on household size and county. Contact us for current Tehama County figures — they update annually.

Question 3

Can I roll closing costs into a USDA loan?

Accepted Answer

Yes, if the home appraises above the purchase price. Otherwise, closing costs must come from savings or seller concessions.

Question 4

How long does USDA approval take?

Accepted Answer

Expect 30-45 days. USDA loans require a second review by the agency itself, which adds time compared to FHA or conventional.

Question 5

What credit score do I need for a USDA loan in Red Bluff?

Accepted Answer

640 is the standard threshold for automated approval. Some lenders go lower with manual underwriting, but approvals get harder below that.

Question 6

Is the USDA guarantee fee worth paying?

Accepted Answer

For most Red Bluff buyers without a down payment, yes. The fee is lower than FHA mortgage insurance in most scenarios.

USDA Loans in Red Bluff — Zero Down, Real Savings