Mortgage Broker Serving Shasta Lake, California

A bank offers its own loans under its own guidelines. A broker works with many lenders and loan programs, each with different guidelines. That matters when a file doesn't fit one lender's box: self-employed income, a rental property, a manufactured home, a rural property, or down payment help layered on top of the first mortgage. Rate is part of the comparison. Which program fits the file is the bigger part.

Von Mortgage can place Shasta Lake purchases in conventional, FHA, VA and USDA loans, CalHFA down payment programs, self-employed loans and DSCR loans for investors.

Do you have an office in Shasta Lake?

No. Von Mortgage is based in Redding and is licensed throughout California. Shasta Lake families work with us by phone, email and e-signature, and the final signing happens with your escrow company, so you don't need to drive to Redding.

Pete Metz (NMLS #260571) has been in mortgage lending since 2003. He is listed in Zillow's Shasta Lake lender directory, and you can read reviews from families we've worked with on our site.

Shasta County's basic property tax rate is 1% of assessed value. The county's 2025-2026 tax rate sheet adds voter-approved bond charges on top. In the Gateway Unified School District area those are three Gateway Unified bonds (0.0399%, 0.0263% and 0.0402%) and two Shasta-Tehama-Trinity Community College bonds (0.0014% and 0.0125%). Together they come to about 1.12% of assessed value.

The exact rate depends on the tax-rate area the address sits in, and some special districts add charges of their own. As an illustration, a $311,000 purchase at 1.12% would carry about $3,480 a year, or about $290 a month, if the assessed value equals the purchase price. This is not a quote. Ask for the property's current tax bill before you write an offer. Our Shasta County property tax guide has the rates for every part of the county.

What tax bills will I get after I buy in Shasta Lake?

It depends on when you close. If you buy between June 1 and December 31, you typically get your share of the current annual bill, a supplemental bill for the rest of the current fiscal year, and next year's annual bill at the new value. If you buy between January 1 and May 31, you typically also get a second supplemental bill covering the whole next fiscal year. A supplemental bill goes out because the county reappraises the home when it sells.

When are Shasta County property taxes due?

Regular installments are due November 1 and February 1. The first becomes delinquent after 5 p.m. on December 10 and the second after 5 p.m. on April 10. A late installment carries a 10% penalty, and the second installment adds a $10 cost. The Shasta County Tax Collector at (530) 225-5511 can tell you exactly which bills a property will get.

Source: County of Shasta, Tax Rates Fiscal Year 2025-2026; Shasta County Tax Collector, Secured Taxes and Supplemental Taxes pages, checked October 26, 2026.

Can I use a USDA loan in Shasta Lake?

It depends on the exact address. Enter the property in USDA's Property Eligibility tool before you count on zero down, or send us the address and we'll check it with you. Household income also has to fall at or under 115% of the area median. Our USDA loan page covers how the program works in Shasta County.

Can I finance a manufactured home in Shasta Lake?

Manufactured homes have their own lending rules, and the answer depends on the home and the property. Our manufactured homes guide explains what lenders look for in Shasta County.

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 show you the loan options side by side, with the full monthly payment including taxes, insurance and any mortgage insurance.
3. You get a pre-approval before you shop. This is also the time to get a homeowners insurance quote 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. When you're ready, apply online.

Our closing timeline guide shows what happens each week. You can also check current rates.

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