The FHA loan limit for 2023 in Sierra County is $472,030.

  • The limit above is based on a 1-unit property.

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Loans above $472,030 for a 1-unit property in Sierra County would not qualify for FHA financing.

FHA financing is possible on 2-4 unit properties as well.  Here are the FHA loan limits for multi-unit properties in Sierra County…

  • 2-unit property – $604,400
  • 3-unit property – $730,525
  • 4-unit property – $907,900

Click Here for Conforming Loan Limits for Sierra County 2024

If you are looking for a loan over $472,030 for a 1-unit property, you can explore conventional financing in Sierra County, where the conforming loan limit is $766,550.

If you are looking to purchase a home or refinance an existing home, we would love to work with you!  We are EXTREMELY competitive on FHA loans.

Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans.  We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees.  This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.

Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs.  Not all lenders offer rates that come with lender credits.

If you are looking for a purchase loan or a refinance in Sierra County, we would love to work with you!  We can close a purchase loan in as little as 10 days and refinances in 15 days.  You won’t find a lower rate and better service than Community First Mortgage.

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Date UpdatedTime
Nov 30, 202310:06 PM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.125%6.342%1.993
ConformingPurchase30 year fixed6.625%6.676%0.253
ConformingPurchase20 year fixed6.375%6.439%0.228
ConformingPurchase15 year fixed5.875%5.961%0.278
FHAPurchase30 year fixed5.750%6.555%0.687
VAPurchase30 year fixed5.750%6.059%0.857

Conforming

30 Year Fixed

InterestAPRPoints
6.125%6.342%1.993
6.625%6.676%0.253

20 Year Fixed

InterestAPRPoints
6.375%6.439%0.228

15 Year Fixed

InterestAPRPoints
5.875%5.961%0.278

FHA

30 Year Fixed

InterestAPRPoints
5.750%6.059%0.857

VA

30 Year Fixed

InterestAPRPoints
5.750%6.555%0.687

Loan Assumptions