In 2026, the FHA loan limits set for Spring-Valley-Lake county of San Bernardino, CA are as follows: - For a single-family home, the limit is $477,250. - For properties with two units, the amount is capped at $610,950. - Homes consisting of three units have a limit of $738,500. - For dwellings with four units, the maximum is $917,800.
The upper bounds for conventional loans on a single-family residence are: - $548,250 for one-unit homes. - The ceiling for 2-unit structures is $702,000. - For 3-unit homes, the limit is $848,500. - Properties with four units have a cap of $1,054,500.
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The Loan Limits Comparison Table for 2026 in Spring-Valley-Lake county of San Bernardino, CA offers a detailed overview of maximum loan amounts across various categories, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For examining qualification requirements such as income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to ensure thorough understanding and preparation.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $477,250 | $610,950 | $738,500 | $917,800 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $381,800 | $381,800 | $381,800 | $381,800 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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