Von Mortgage

Shasta County guide · Updated October 26, 2026

Mortgage Broker for Anderson and Cottonwood, CA

Von Mortgage is a mortgage broker based in Redding that helps Anderson and Cottonwood families buy homes with conventional, FHA, VA, USDA and CalHFA-backed loans from many lenders. In Shasta County, plan around a 2026 conforming loan limit of $832,750, property tax that starts at 1% of assessed value plus charges that vary by address, and a homeowners insurance quote before you make an offer.

Shasta County at a glance
County
Shasta
Anderson median sale price
$314,850, three months ending September 2026 (Redfin)
2026 conforming loan limit
$832,750 for a single-family home
Where we work from
Redding, licensed throughout California
Sources and dates at the foot of the page.

Why a broker

Why use a mortgage broker to buy a home in Anderson or Cottonwood?

A broker has access to many loan programs and lender guidelines. A bank can offer only its own, and a file that doesn't fit its box gets turned away. That happens often with self-employed income, a manufactured home, an address that may or may not qualify for USDA, or down payment help layered on top of the first mortgage. Finding the lender whose guidelines fit your file matters as much as finding a low rate.

Von Mortgage can place Anderson and Cottonwood purchases in conventional, FHA, VA and USDA loans, CalHFA down payment programs and self-employed loans.

Do you have an office in Anderson or Cottonwood?

No. Von Mortgage is based in Redding and is licensed throughout California. Anderson and Cottonwood families work with us by phone, email and e-signature, and the final signing happens with your escrow company.

Pete Metz (NMLS #260571) has been in mortgage lending since 2003.

Budget

What do homes cost in Anderson, and what should a family budget?

Redfin reports a median sale price of $314,850 in Anderson for the three months ending September 2026, down 7.0% from a year earlier. Homes spent a median of 33 days on the market, compared with 38 a year earlier. In September, 40 homes sold, at 99.8% of list price. That is a citywide median, so look at recent sales near the home you want.

How much is property tax on an Anderson home?

It starts at 1% of assessed value each year, plus voter-approved charges that depend on the exact address. Shasta County's 2025-2026 tax rate sheet lists charges that can appear on Anderson area bills, including Anderson Union High School District bonds at 0.0131% of assessed value and two Shasta-Tehama-Trinity Community College bonds at 0.0014% and 0.0125%.

The property's tax-rate area decides which charges apply, so ask for the home's current tax bill before you write an offer. As an example, a home assessed at $315,000 would carry a base tax of $3,150 a year, or $262.50 a month, and the high school bond rate on that value would add about $41 a year. This is an illustration, not a quote.

Will my impound account pay the supplemental tax bill?

Not automatically. Shasta County mails supplemental tax bills to the owner, not the lender, and says it is your responsibility to ask your lender who will pay it. The county cannot excuse penalties because of a misunderstanding with a lender, so set money aside after closing.

When is Shasta County property tax due?

Bills are mailed by November 1. The first installment is due November 1 and becomes delinquent after 5 p.m. on December 10, with a 10% penalty. The second is due February 1 and becomes delinquent after 5 p.m. on April 10, with a 10% penalty plus a $10 cost. Questions about a specific bill go to the Shasta County Tax Collector at (530) 225-5511.

Our Shasta County property tax guide covers the rest, including how assessed value works after you buy.

Cottonwood

What should families know about buying in Cottonwood?

Cottonwood is its own community in Shasta County, an unincorporated area south of Anderson rather than a city. The Redfin figures above are for Anderson, not Cottonwood, and loan options are the same in both.

Cottonwood bills can carry their own voter-approved charges. Shasta County's 2025-2026 tax rate sheet lists Cottonwood Elementary School District bonds at 0.0160% and 0.0001% of assessed value, and the Cottonwood Fire Protection District at 0.0224%. The tax-rate area for each address decides which ones apply, so read the current tax bill for the home you want.

Our USDA loan page lists Cottonwood among the Shasta County communities in USDA-eligible areas, but eligibility still depends on the exact address.

USDA and manufactured homes

Can I use a USDA loan or buy a manufactured home in Anderson or Cottonwood?

It depends on the property. USDA eligibility is set by the exact address, so check it in USDA's Property Eligibility tool before you count on zero down. Household income generally can't exceed 115% of the area median. Our USDA loan page lists Anderson and Cottonwood among the Shasta County communities that were in USDA-eligible areas on USDA's map when we checked in September 2026, and explains how the program works.

Manufactured homes can be financed with the same FHA, conventional, VA and USDA programs as a site-built home when the home and the land meet the program's rules. Our manufactured homes guide has the list.

Fire insurance

How does homeowners insurance affect an Anderson or Cottonwood loan?

Your lender needs a bound policy before the loan can close, so get a quote before you make an offer. A premium that shows up after the offer is accepted can push your payment past what you qualified for.

Shasta County is on the California Department of Insurance's March 6, 2025 list of wildfire distressed counties, so plan on shopping around for a policy.

What if regular insurers won't cover the house?

The California Department of Insurance tells homeowners to shop the regular market first, then apply to the California FAIR Plan through a licensed agent or broker. The FAIR Plan's residential coverage limit is $3 million. KRCR reported on May 22, 2026 that the Department of Insurance approved an overall 29.1% FAIR Plan rate increase for new and renewal policies starting October 15, 2026, and the increase varies by home.

Our Shasta County fire insurance guide covers the rest.

Loan programs

Which loan programs and down payment help can Anderson and Cottonwood families use?

Most purchases here fit a conventional, FHA, VA or USDA loan, sometimes with CalHFA down payment help. A jumbo loan is only needed above Shasta County's 2026 conforming limit of $832,750.

Loan options for an Anderson or Cottonwood home purchase, October 2026
ProgramMinimum down paymentWhat to know in Shasta County
ConventionalAs low as 3% for eligible borrowers2026 limit $832,750 for one unit, $1,066,250 for two units (FHFA)
FHA3.5% with a credit score of 580 or higherFHA limits are set by county. Check Shasta County's current limit on HUD's lookup.
VA0% for eligible borrowers, as long as the price is not above the appraised valueEligibility depends on your service and entitlement
USDA0% in eligible areas, with income limitsEligibility depends on the exact address. Check it before counting on zero down.
CalHFA down payment helpHelps cover the down payment and closing costs2026 income limit $201,000 in Shasta County (CalHFA)
Self-employedVaries by programWe look for lenders whose guidelines fit how your income is documented

Down payment help

Is there down payment help for Anderson and Cottonwood families?

Yes. CalHFA programs are available in Shasta County, and the 2026 income limit for CalHFA's government and conventional loans in Shasta County is $201,000 (CalHFA income limits, effective June 30, 2026).

CalHFA's MyHome Assistance program is a deferred-payment, simple-interest second loan for the down payment and closing costs. It can be used only with a CalHFA first mortgage and is for first-time homebuyers, meaning no ownership interest in a principal residence during the previous three years. It can cover up to 3.5% of the price or appraised value, whichever is less, with an FHA first mortgage, and up to 3% with a conventional, USDA or VA CalHFA first mortgage. Homebuyer education is required. Terms change, so we confirm CalHFA's current terms when we quote your loan.

Brokers work through a CalHFA-approved wholesale lender for these loans. See our first-time homebuyer page and down payment assistance page for how the programs fit together.

How it works

How does buying an Anderson or Cottonwood home with Von Mortgage work?

  1. Start with a quote. Call (530) 221-7700 or request a quote. We talk through income, credit, savings and the kind of home you want.
  2. We compare lenders for your file and check USDA and CalHFA eligibility on the addresses you're looking at.
  3. You get a pre-approval before you shop. This is also the time to get a homeowners insurance quote and the current tax bill on any house you're serious about.
  4. Once your offer is accepted, we handle the loan through escrow. Documents are signed by e-signature, with the final signing arranged with your escrow company. See our closing timeline guide, and when you're ready, apply online.

Pete also helps Anderson families buy a second home or rental outside California, in Oregon, Washington, Indiana, Texas, Louisiana or Florida. See all the areas Von Mortgage serves.

Anderson and Cottonwood questions

Questions Anderson and Cottonwood families ask

Answers reflect the rules and figures as of October 2026.

Do you have an office in Anderson or Cottonwood?

No. Von Mortgage is based in Redding and is licensed throughout California. Anderson and Cottonwood families work with us by phone, email and e-signature, and the final signing happens with your escrow company.

What is the conforming loan limit in Shasta County for 2026?

$832,750 for a single-family home and $1,066,250 for a two-unit property, according to FHFA's 2026 county loan limit list. Loans above that amount are jumbo loans.

Will my impound account pay the supplemental tax bill?

Not automatically. Shasta County mails supplemental tax bills to the owner, not the lender, so ask your lender who will pay it. The county says it cannot excuse penalties because of a misunderstanding with a lender.

Can I use a USDA loan in Anderson or Cottonwood?

It depends on the exact address. Check the property in USDA's Property Eligibility tool at eligibility.sc.egov.usda.gov before you count on zero down, or send us the address and we'll check it with you. Household income generally can't exceed 115% of the area median.

Is there down payment help for Anderson and Cottonwood families?

Yes. CalHFA's MyHome Assistance program helps eligible first-time homebuyers with the down payment and closing costs when paired with a CalHFA first mortgage. CalHFA's 2026 income limit in Shasta County is $201,000. Terms change, so we confirm current rules when we quote your loan.

What extra property tax charges appear on Cottonwood bills?

Shasta County's 2025-2026 tax rate sheet lists Cottonwood Elementary School District bonds at 0.0160% and 0.0001% of assessed value and the Cottonwood Fire Protection District at 0.0224%. The tax-rate area for each address decides which ones apply, so check the home's current tax bill.

Sources and dates

Figures checked October 26, 2026. Rules and rates change; call before relying on a number.

Talk it through

Talk to Pete about buying in Anderson or Cottonwood

Send us the address you're looking at, or just the price range. We'll compare lenders, check USDA and CalHFA eligibility, and show you the full monthly payment with Shasta County taxes and insurance.

Disclaimer: This information is educational and is not a commitment to lend, a loan approval, or an offer of credit. Any rates, payments, down payments or other figures shown are illustrative examples only, not quoted terms and not an offer to extend credit. Actual rates and terms depend on credit, income, property, occupancy and market conditions, and change daily. For current pricing see vonmortgage.com/rates.

Pete Metz, Mortgage Broker · NMLS #260571
Dream Big Ownership LLC dba Von Mortgage · NMLS #2592815
2777 Bechelli Lane, Redding, CA 96002 · Pete@VonMortgage.com
Equal Housing Opportunity.

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2777 Bechelli Lane Redding, Ca 96002

Pete@VonMortgage.com

(530) 221-7700

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