LoanPlace provides residential purchase mortgages, refinancing, and home equity solutions throughout Butte County, supporting university staff, healthcare workers, and Northern California families.
Serving Chico, Oroville, Paradise, Gridley, Biggs, and surrounding Butte County communities.
Statutory Verification: Chico MSA: Conventional limit is the national baseline ($832,750); HUD FHA limit is at the statutory floor ($541,287). (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in Butte County, California.
For 2026, the conventional conforming loan limit for a 1-unit property in Butte County is $832,750, and the FHA single-family limit is $541,287 (the national statutory floor).
Yes. Eligible active-duty service members and veterans can purchase residential properties across Butte County with 0% down through VA financing with full entitlement.
Conventional loans starting at 3% down and FHA loans at 3.5% down are the most popular options for new homebuyers in Chico and Oroville.
Yes. LoanPlace offers rate-and-term refinances, cash-out refinancing, and home equity lines of credit (HELOCs) to access accumulated property equity.
LoanPlace provides localized mortgage originations, jumbo financing, and refinancing throughout Butte County.
Serving all incorporated and unincorporated communities across Butte County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.