San Bernardino County, California
Mortgage broker in San Bernardino County, CA.
One county, wildly different price points — the limits do not move, but what they buy does. Choice Home Mortgage has been closing loans since 2005 — shopping hundreds of lenders, guided by the owner herself.
Is there a mortgage broker serving San Bernardino County, CA?
Yes — Choice Home Mortgage serves buyers and homeowners across San Bernardino County, including San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville. We are a family-owned broker rather than a bank, so instead of selling one company's own product we put hundreds of lenders in competition for your file and bring you the one that actually fits.
Two 2026 numbers decide most San Bernardino County files. The conforming limit is $832,750; the FHA limit is $690,000, which leaves $142,750 between them. If the San Bernardino County home you want is priced inside that band, a conventional loan can work and an FHA loan cannot, so we check which side of $690,000 your price falls on before you make an offer.
The largest county in the lower 48 by land area, where one set of loan limits has to cover both Chino Hills and the high desert. Everything runs by phone and online, with owner Esther Buede handling your loan personally from first call to closing.
What San Bernardino County buyers can actually borrow.
Loan limits are set county by county, not statewide — which is why the figure an out-of-area lender quotes is so often wrong. For 2026 in San Bernardino County, CA, the one-unit conforming limit is $832,750. Conforming limits come from FHFA and FHA limits from HUD.
2026 limits checked against the FHFA and HUD county files; this page was last updated October 5, 2026.
In San Bernardino County the two limits are $142,750 apart. An FHA loan tops out at $690,000, so a San Bernardino County home priced above that and under $832,750 goes to a conventional loan. We place your price against both numbers on the first call, before you write an offer on a San Bernardino County home.
Multi-unit conforming limits run higher: $1,066,250 for two units, $1,288,800 for three, and $1,601,750 for four. The FHA multi-unit limits are lower again — $883,300, $1,067,750, and $1,326,950 — so a duplex that clears the conforming limit here can still sit well above what FHA will cover. See the full breakdown on our San Bernardino County loan-limit page.
Every corner of San Bernardino County.
We work across San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville, Rialto, Hesperia, Chino, Chino Hills, Upland, Apple Valley, Redlands, Highland, Colton, Yucaipa, Montclair — by phone and online, on your schedule. See all the areas we serve →
Whatever the scenario, there is usually a loan for it: FHA for lower down payments and flexible credit, conventional for strong-credit buyers, jumbo above the county limit, VA for those who qualify, non-QM for self-employed income, and reverse mortgages for homeowners 62+. Start here.
Choice Home Mortgage is a licensed California mortgage broker serving San Bernardino County: NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Bernardino County mortgage questions, answered.
What are the 2026 conforming loan limits in San Bernardino County?
For 2026 the one-unit conforming limit in San Bernardino County, CA is $832,750. Multi-unit conforming limits run higher: $1,066,250 for two units, $1,288,800 for three, and $1,601,750 for four. FHA multi-unit limits are separate and lower — $883,300, $1,067,750, and $1,326,950 respectively. Anything above the one-unit conforming limit is a jumbo loan with its own guidelines.
Is the FHA loan limit in San Bernardino County the same as the conforming limit?
No. In San Bernardino County the 2026 FHA one-unit limit is $690,000 and the conforming limit is $832,750, $142,750 apart. An FHA loan stops at $690,000, so a San Bernardino County buyer above that price but under $832,750 would use a conventional loan instead. We check the limit against your actual price before you write an offer.
Which San Bernardino County cities do you serve?
We work with buyers and homeowners across San Bernardino County, including San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville, Rialto, Hesperia, Chino, Chino Hills, Upland, and the surrounding communities. Everything runs by phone and online on your schedule — you do not need to come to an office.
Why does the county matter if the purchase price is the same?
Because loan limits are set county by county, not statewide — two homes at an identical price can qualify for different loans depending on which county line they fall on. For San Bernardino County buyers the deciding number is usually the $690,000 FHA limit, $142,750 under the $832,750 conforming limit. It is also why a quote based on a statewide or national figure is so often wrong for this county.
Why use a broker instead of a big bank?
A bank can only offer its own loans. As a broker, Choice Home Mortgage puts hundreds of lenders in competition for your file — and having closed loans since 2005, we know which lenders are realistic in San Bernardino County. You also get one named person, owner Esther Buede, from application through closing instead of a call-center queue.
Let's finance your San Bernardino County home.
One call with the owner — honest, and no pressure. We'll confirm the exact San Bernardino County limits for your price point and shop the lenders for you.