First-Time Buyer's Guide — Mount Shasta & Siskiyou County

Step 1: Get Your Finances in Order

Check Your Credit Score — Aim for 620+ for conventional loans, 580+ for FHA. Higher scores mean better rates.

Save for Down Payment — Conventional loans: 3-20%. FHA: 3.5%. VA/USDA: 0% down available.

Budget for Closing Costs — Typically 2-5% of purchase price. In Siskiyou County, expect $8,000-$20,000 on average.

Get Pre-Approved — A pre-approval letter shows sellers you're serious and qualified.

Step 2: Assemble Your Team

Working with experienced local professionals makes all the difference in a successful purchase.

Real Estate Agent — Your advocate who knows the local market and negotiates on your behalf.

Lender — Shop multiple lenders to compare rates and find the best terms.

Home Inspector — Essential for identifying issues before you buy.

Title Company — Handles escrow and ensures clear title transfer.

Step 3: Find Your Home

Define Your Must-Haves vs. Nice-to-Haves — Prioritize what matters most: location, size, lot, garage, etc.

Research Neighborhoods — Mount Shasta, Weed, Dunsmuir, and McCloud each have unique characteristics.

Tour Properties — Visit at different times of day. Consider commute, noise, and neighbors.

Step 4: Make an Offer & Close

Submit Your Offer — Your agent will help you craft a competitive offer based on market conditions.

Negotiate & Accept — Expect some back-and-forth. Your agent negotiates on your behalf.

Complete Inspections — Home inspection, pest inspection, and any specialty inspections needed.

Final Walkthrough & Close — Sign documents, transfer funds, and get your keys!