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Tehama County voters are weighing school bond and sales tax measures that signal long-term investment in local infrastructure. Home purchases here reflect solid fundamentals in a county with median household income of $61,834.
The conforming loan limit for 2026 is $832,750, covering most purchases in this market. Buyers typically put down 10% to 20% and finance the rest through conventional or government-backed programs.
620
Minimum Credit Score
3–5%
Down Payment Range
$832,750
2026 Conforming Limit
30–45 days
Typical Lock Period
Equity Appreciation Loans in Tehama
Equity Appreciation Loans require a minimum credit score around 620 and typically ask for 3% to 5% down. Lenders verify income, employment history, and debt-to-income ratio—usually capped at 43% to 50%.
With Tehama County's median household income of $61,834, a buyer can typically support a loan in the $250,000 to $350,000 range depending on other debts. Down payment flexibility is a key strength of this program.
Local decision guide
Use this guide to connect equity appreciation loans eligibility, lender expectations, and local market factors before comparing payment options in Tehama.
Tehama County voters are weighing school bond and sales tax measures that signal long-term investment in local infrastructure. Home purchases here reflect solid fundamentals in a county with median household income of $61,834.
The conforming loan limit for 2026 is $832,750, covering most purchases in this market. Buyers typically put down 10% to 20% and finance the rest through conventional or government-backed programs.
Equity Appreciation Loans require a minimum credit score around 620 and typically ask for 3% to 5% down. Lenders verify income, employment history, and debt-to-income ratio—usually capped at 43% to 50%.
Equity Appreciation Loans are offered by select lenders and brokers across California. Underwriting typically moves faster than jumbo programs but slower than FHA due to the hybrid nature of the product.
Brokers in Tehama can access these loans through correspondent lenders and portfolio programs. Lock periods run 30 to 45 days, and appraisals are standard. Rates and terms vary by lender, so shopping multiple sources is wise.
Equity Appreciation Loans shine for buyers with solid income but limited down payment savings. In Tehama, where the median home price sits well below the conforming limit, this program fills a real gap.
The program works best when a buyer has 3% to 5% down and a credit score above 640. Below that, FHA becomes the smarter choice; above $832,750, jumbo loans take over.
Versus FHA, Equity Appreciation Loans carry no mortgage insurance and offer faster closing. FHA rates run lower but tack on lifetime MIP—a real cost over 30 years.
Versus conventional at 20% down, Equity Appreciation Loans let you close with less cash upfront. The tradeoff is a slightly higher rate, but you avoid the down-payment delay.
Red Bluff voters approved Measure S in June 2026, renewing a 1% sales tax for road maintenance over 12 years. That kind of infrastructure commitment signals stability for long-term homeowners in the county.
Tehama County schools are on the ballot for a bond measure and sales tax renewal. Voters who care about education and local services see these measures as signs of community investment.
Most lenders require a minimum FICO of 620, but 640 or higher gives you better rates. Scores below 620 may require manual underwriting or a co-signer.
Some lenders allow 3% down, but 5% is more common. The lower your down payment, the higher your rate and the stricter the credit and income requirements.
Typical timeline is 30 to 45 days from application to funding. Speed depends on how quickly you submit documents and the appraisal process.
No. Unlike FHA loans, Equity Appreciation Loans skip mortgage insurance entirely. That saves you hundreds per month compared to FHA at the same loan amount.
The 2026 conforming limit is $832,750. Loans above that threshold require jumbo financing, which has stricter requirements and higher rates.