FHA VS Conventional loan programs in Big-Bear-City, San Bernardino County, California

In 2026, the conventional loan limit in Big-Bear-City, within San Bernardino county, CA, is $647,200. In contrast, the FHA limit for a single-family home is $562,350.

Use the Lendersa® Conventional Loan Calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify with our advanced mortgage calculator, showing Conforming Conventional loans, USDA, FHA, and VA side by side. Decide which program is best for your financial situation in CA.

Explore loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Big-Bear-City, San Bernardino County, CA

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $381,800 0%
FHA $562,350 3.5%

This table applies to these zip codes: 92314

Conventional and FHA Loan Opportunities in Big-Bear-City, CA

The aim of Lendersa® is to provide the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Start with one of three paths to find matching lenders and relevant loan programs.

Lendersa USDA loan request and matching results


Big-Bear-City Lenders

  • The Mission Company, Inc.
  • 36818 Oak View Road, Yucaipa, CA, 92399
  • Lends in California
  • At The Mission Company, The most engaged and professional source for all your Real Estate and Mortgage needs.

    Our group of licensed professionals is ready to help you sell and buy in the State of California. We also offer some of the lowest mortgage rates and costs, as many of our satisfied customers can attest to.

  • Family Tree Lending
  • 34664 County Line Road, Suite 18, Yucaipa, CA, 92399
  • Lends in California
  • We are a full-service mortgage company based in Yucaipa, CA. We also serve all the surrounding cities in the Inland Empire. We specialize in FHA, VA, Jumbo, First Time Home Buyer, and Down Payment Assistance Programs.Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money .

  • Imagine Loan Funding
  • 11963 Stovall Way, Yucaipa, CA, 92399
  • Lends in California
  • "Imagine Loan Funding is licensed to originate and broker mortgage loans in the state of CA by the CA Dept of Real Estate. CA DRE #02095441, NMLS #1866855
    We offer: Purchase, Refinance, JUMBO, Reverse Mortgages, Conventional, FHA, VA, USDA, CalHFA. We help many unique borrowers like: self employed, DACA, first time home buyers and others."

  • Valley View Mortgage, Inc.
  • 32829 Yucaipa Blvd, Suite C, Yucaipa, CA, 92399
  • Lends in California
  • "Valley View Mortgage, Inc. can assist you by providing you with top-notch service, no matter what kind of California mortgage loan you're looking for, or what your individual circumstances are.



    Obtaining a mortgage loan is one of the most significant decisions you will ever make,"

  • Home Loans by Karyn
  • 27215 Highway 189, Suite C, Blue Jay, CA, 92317
  • Lends in California
  • Karyn Weger is the Branch Manager and Senior Loan Officer at Home Loans by Karyn in Lake Arrowhead, California.

    She first entered the mortgage industry after a bad experience as a customer while obtaining a mortgage for herself. An unscrupulous loan officer left her with a bad taste for the business.

  • CTC Lending
  • 13496 Capella Road, Apple Valley, CA, 92308
  • Lends in California
  • At CTC Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Idas Direct Mortgage
  • 140 North J Street, Redlands, CA, 92374
  • Lends in California
  • Ida’s Direct Mortgage is a local company committed to serving Tulare, Visalia and the Central Valley with personalized home loan services. With over 30 years of experience in the industry and outstanding customer service, you'll appreciate the difference.

    ​At Ida’s Direct Mortgage, a Tulare Mortgage Company,

  • MortgageSquared
  • 1209 Nevada Street, Suite 200, Redlands, CA, 92374
  • Lends in California
  • Since 1990 Mountain West Financial has built a reputation of not just putting our clients in any loan, but putting them in a home loan that suits both their short and long term goals. We strive to earn the opportunity to become a lender for life. Our success over the past 30 years is derived from our goal of offering sustainable

  • Crawford Real Estate Services, Inc.
  • 1447 Ford Street Ste 101, Redlands, CA, 92374
  • Lends in California
  • Crawford Real Estate Services, Inc. has been owned and operated by the Crawford Family without interruption since 1957.

    We are in the business of arranging financing for first and second trust deeds as well as business purpose Residential, Commercial, Industrial, New Construction and Land Loans.

  • MOUNTAIN WEST FINANCIAL, INC.
  • 1255 West Colton Avenue, Office 17, Redlands, CA, 92374
  • Lends in California
  • Since 1990 Mountain West Financial has built a reputation of not just putting our clients in any loan, but putting them in a home loan that suits both their short and long term goals. We strive to earn the opportunity to become a lender for life. Our success over the past 30 years is derived from our goal of offering sustainable homeownership.