Calculate Your Modoc County Mortgage

Discover tailored mortgage solutions for home buying and refinancing in Modoc County, California. Easily calculate your loan options to find competitive rates and terms, and take the next step toward securing your ideal home with expert guidance.

Purchase Loan

Home buying loan for new home purchases.

Refinance Loan

Loan for Refinancing your homes.

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Population of Modoc County8,925

As of 2023 estimates from Data USA and USAFacts, Modoc County has a population of about 8,925, down slightly from previous years, indicating a rural, stable community ideal for those seeking affordable, spacious living in Northern California.

Median Home Price in Modoc County$225,000

The median home price in Modoc County is approximately $225,000 based on 2024-2025 real estate data from ATTOM and NAR, which is significantly below the California state average, presenting strong opportunities for home buyers and refinancers seeking value in rural markets.

Properties for Sale in Modoc County25

There are currently around 25 properties listed for sale in Modoc County according to recent 2025 market reports from sources like Zillow and local real estate aggregators, offering limited but diverse options for home purchases in this remote area.

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Introduction to Mortgage Loans in Modoc County, California

This section provides an overview of Summit Lending's mortgage services tailored for Modoc County, focusing on home buying and refinancing.

Explore personalized loan options for residents in Modoc County, California, such as our purchase loans and refinance loans.
Learn how our experienced brokers with over 50 years of combined expertise can guide you through the process. For more about us, visit our About page.
Use our loan calculator at https://www.summitlending.com/loan-calculator to estimate payments for home purchases and refinances. You can also explore our full range of mortgage loans.

Home Buying Loans in Modoc County

At Summit Lending, we specialize in providing tailored home buying loans for residents of Modoc County, California. Whether you're looking to purchase your first home or invest in property, our experienced mortgage brokers are here to guide you through the process. We offer a range of options to suit various needs, ensuring you can find the right fit for your financial situation.

Discover loan options designed for first-time buyers or investors in Modoc County. Explore our Purchase Loans and learn more about resources for First Time Home Buyers to get started on your journey.
Understand the benefits, such as competitive rates and flexible terms. For more on our vision and team, visit our About page, and see what clients say on our Testimonials page to build confidence in our services.
Calculate your potential mortgage payments using our tool at https://www.summitlending.com/loan-calculator before proceeding. This resource helps you estimate costs accurately and explore more about our offerings on our Mortgage Loans page.

For additional assistance, feel free to reach out via our Contact Us page or explore our Blog for more tips on home buying in California.

Refinancing Loans in Modoc County

Explore refinancing opportunities in Modoc County, California, to potentially lower your interest rates or adjust your loan terms. At Summit Lending, our professional mortgage brokers with over 50 years of combined experience can help you navigate the process and meet all requirements. Visit our refinance loans page for more details.

Learn how refinancing can lower your interest rates or adjust your loan terms in Modoc County.
Review the steps to qualify and the potential savings involved. For more on our team and process, check out our about page.
Estimate your refinanced payments accurately via our calculator page at https://www.summitlending.com/loan-calculator. You can also explore more mortgage loans options.

To get started or for any questions, reach out via our contact page.

Next Steps for Loan Applications

After using our loan calculator for Modoc County, California, follow these steps to move forward with your mortgage loan process. Our experienced team at Summit Lending is here to assist you every step of the way.

Visit this link to upload documents and start your loan process securely.
Contact our team via email at [email protected] or by phone at 385-200-1470 for expert advice. You can also visit our Contact Us page for more ways to reach us.
Explore more resources on our website, such as the Mortgage Loans page, or check out our About page and Blog for additional tips and information.

Housing Market Growth Rate2.5% YoY

Modoc County's housing market shows a modest 2.5% year-over-year price growth as of mid-2025, per California housing trends, making it a stable environment for refinancing existing loans or calculating affordable mortgage payments for new buys.

Average Household Income$52,000

The average household income in Modoc County is about $52,000 annually according to 2023-2025 demographic data, which supports budgeting for mortgage calculations in home buying and refinancing scenarios in this low-cost rural county.

Homeownership Rate68%

Modoc County boasts a 68% homeownership rate based on recent census and real estate analyses, higher than urban areas, indicating a favorable market for potential buyers and those considering refinancing to build equity.