FHA VS Conventional loan programs in 2025 for Lucerne-Valley, San Bernardino County, California

In 2025, Convetional loan limit in Lucerne-Valley, county of San Bernardino, CA is $647,200 while FHA limit is $562,350 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lucerne-Valley, county of San Bernardino, CA

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

The comparison table applies to zip codes: 92356

Conventional and FHA loan options in Lucerne-Valley, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Heritage Bank of Nevada
  • 2330 South Virginia Street, Reno, NV, 89502
  • Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.
  • Victory Nevada Mortgage LLC
  • 5250 South Virginia St, Suite 360, Reno, NV, 89502
  • Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances. To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.
  • US Financial, LLC - Mark Lamerdin
  • 1325 Airmotive Way, Suite 175-D, Reno, NV, 89502
  • US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
  • Golden Pacific Bank, National Association
  • 1409 28th Street, Sacramento, CA, 95816
  • We proudly offer customized products and services to small and medium size businesses in our local area. We supplement our traditional bank loans with government guaranteed options that can provide benefits to our clients that they may not have in our conventional loan product. Our mission is to provide exceptional personal banking services.
  • Wholesale Direct Lending
  • 725 30th St, Suite 102, Sacramento, CA, 95816
  • Wholesale Direct Lending buying, selling, Refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Wholesale West Lending Inc
  • 725 30th street, Suite 203, Sacramento, CA, 95816
  • "Rafael Jauregui and his staff have dedicated themselves to providing outstanding services to customers involved in the financing of residential real estate Rafael Jauregui is committed to providing excellence you deserve. From the first-time homebuyer needing down payment assistance to the sophisticated investor"
  • KMG Kappel Mortgage Group, Inc.
  • 3673 J Street Sacramento, Sacramento, CA, 95816
  • Welcome to Kappel Mortgage Group! Where you will find mortgage brokers that are experts and understand the local market and rates so that you can ensure you are getting the best deal. Whether you are first time home buyer purchasing your dream home, refinancing an outstanding loan.
  • Wall Street Money Brokers
  • 1320 Arnold Drive, Suite 171, Martinez, CA, 94553
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity.We provide Real Estate financing for people wishing to Purchase and or Refinance their homes.
  • Silverado Home Mortgage
  • 1110 Alhambra Avenue, Suite 103, Martinez, CA, 94553
  • At Silverado Home Mortgage. We are a full-service mortgage company based in Martinez, California. We specialize in FHA, Conventional and VA Lending in Martinez. We also serve the surrounding cities in Contra Costa County. Whether you are buying a home or refinancing in or around zip code 94553, we can help you realize your dream of home ownership.