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

For 2026, the limit for a Conventional loan in San-Bernardino, located in San Bernardino county, CA, is $647,200. In contrast, the FHA limit for a single-family house is set at $562,350.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA options. Determine the necessary income, credit, reserves, and documentation needed for qualification. This advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options, making it easier to choose which program best suits your financial needs in CA.

Explore loan offers from a selection of 100 lenders

Loan Limits and Downpayment Requirements in San-Bernardino, San Bernardino County, CA for 2026

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

The comparison table is relevant for these zip codes: 92401

Options for Conventional and FHA Loans in San-Bernardino, CA

The goal of Lendersa® is to quickly and effortlessly find the best Conventional, USDA, or FHA loans for you. Choose one of three starting points to connect with matching lenders and loan programs.

Receive matching results for USDA loan requests via Lendersa


San-Bernardino Lenders

  • Affordable Home Loans Inc.
  • 370 West 6th Street, Suite 110, San Bernardino, CA, 92401
  • Lends in California
  • Affordable Home Loans Inc. in San Bernardino, California, is a home refinance and loan company with more than 70 years of combined experience in providing the lowest rates in conventional, FHA, VA, and reverse mortgage loans. In our more than 30 years in business, we have helped hundreds of referral clients with our personalized.

  • Hypo Lending
  • 250 N. G St., San Bernardino, CA, 92410
  • Lends in California
  • Hypo Lending is a mortgage bank that specializes and offers an extensive range of loan products for purchase and refinance; FHA, VA, conventional loans, bank statement loans, foreign loans, ITIN loans, and commercial loans. We are a group of knowledgeable finance professionals with a proud Christian background.

  • Neighborhood Housing Services Of The Inland Empire
  • 1845 Business Center Drive S, Suite 120, San Bernardino, CA, 92408
  • Lends in California
  • Neighborhood Housing Services of the Inland Empire is a one stop shop, providing answers & support to meet our clients'​ housing needs. As a non-profit our mission is to build great communities, one home at a time. 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.

  • Spot ON Lending, Inc.
  • 3242 East Coast Highway, Corona Del Mar, CA, 92408
  • Lends in California
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages & best of all quality service & individual attention. We are a full-service mortgage company. We offer a wide range of Refinance options, designed to best meet the needs of local borrowers.

  • Arrowhead Mortgage
  • 225 West Hospitality Lane, Suite 201F, San Bernardino, CA, 92408
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Celer Mortgage Incorporated
  • 1918 Business Center Drive, Suite 106, San Bernardino, CA, 92408
  • Lends in California
  • Our mission is to be the home financing partner that you trust to serve you, your family, and community. We offer an environment where you feel empowered and we are dedicated to delivering exceptional customer service with the respect that you deserve. At Celer Mortgage Inc. we will provide the highest level of support.

  • Dunn Premier Inc
  • 424 East Vanderbilt Way, San Bernardino, CA, 92408
  • Lends in California
  • We do business differently, and we're proud of it! Dunn Premier is dedicated to serving commercial and residential clients nationwide. We get loans Dunn right with our attention to detail and by ensuring the process is transparent from start to finish. Clients experience our premier standard of care

  • La Loma FCU
  • 26151 Mayberry St, Loma Linda, CA, 92354
  • Lends in California
  • Since 1955, La Loma Federal Credit Union has been proudly serving the Southeastern California Conference of Seventh-Day Adventists, Loma Linda University, Loma Linda University Health, and La Sierra University communities La Loma FCU is a credit union, which is a financial institution. Similar to other financial institutions.

  • Alkana Investment Enterprise
  • 288 E Highland Ave, San Bernardino, CA, 92404
  • Lends in California
  • Unlocking opportunities in affordable housing.I specialize in Creative financing solutions that Empower investors and homeowners.By focusing on distressed properties,I provide 100% funding options,Transforming neighborhoods and fostering economic growth.My expertise includes tax optimization,Joint ventures,& collaborations,Ensuring clients maximize

  • Inland Home Mortgage Corporation
  • 1003 east cooley Drive, Suite 202, Colton, CA, 92324
  • Lends in California
  • Licensed in 1998 we have help many buyers and sellers with their goals of selling, purchasing or leasing a property. I hold a brokers license since 2003. We are helping the community to buy a home or sale one. We help refinance lower payments, interest rates and years. free information on all programs