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Chino Hills sits in San Bernardino County, but its price points often compete with LA and Orange County neighbors. Many homes here push past the conforming loan limit.
When a purchase price crosses that threshold, you're in jumbo territory. That means different underwriting rules, stricter reserves, and lenders who don't all play by the same standards.
700+
Min Credit Score
20%+
Typical Down Payment
12 months
Reserves Required
30–45 days
Avg Close Time
Fixed or ARM
Rate Type Options
Jumbo Loans in Chino Hills
Jumbo underwriting is tougher than conventional. Most lenders want a 700+ credit score, 12 months of reserves, and a debt-to-income ratio under 43%.
Self-employed borrowers face extra scrutiny. Expect two years of full tax returns and possibly a CPA letter. W-2 earners with strong income have the smoothest path.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Chino Hills.
Chino Hills sits in San Bernardino County, but its price points often compete with LA and Orange County neighbors. Many homes here push past the conforming loan limit.
When a purchase price crosses that threshold, you're in jumbo territory. That means different underwriting rules, stricter reserves, and lenders who don't all play by the same standards.
Jumbo underwriting is tougher than conventional. Most lenders want a 700+ credit score, 12 months of reserves, and a debt-to-income ratio under 43%.
Retail banks dominate jumbo lending — but their pricing isn't always competitive. Portfolio lenders and wholesale channels often offer sharper rates and more flexible guidelines.
SRK CAPITAL works with 200+ wholesale lenders. On a jumbo deal, that reach matters. One lender might cap at 75% LTV while another goes to 80% on the same property.
The biggest mistake I see on jumbo deals: borrowers show up with too little reserves. You might qualify on income and credit, but six figures sitting in one account isn't always enough.
Asset seasoning matters too. If funds just moved between accounts, underwriters flag it. Have your money sitting in place for at least 60 days before you apply.
If your loan amount falls just above the conforming limit, it's worth running the numbers on an ARM. Jumbo ARMs often price lower than 30-year fixed jumbo rates. Rates vary by borrower profile and market conditions.
Interest-only jumbo loans are also available for high-income borrowers who want to manage monthly cash flow. That structure suits some Chino Hills buyers — but requires strong financial discipline.
Chino Hills is zoned largely single-family, with a significant share of larger homes on bigger lots. Those properties — 3,000 sq ft and up — routinely require jumbo financing.
The city's location between the Inland Empire and Orange County makes it a draw for move-up buyers. Many come in with equity from a prior sale and need a clean, fast jumbo close.
Jumbo loans start above the FHFA conforming limit for San Bernardino County. Any loan amount above that cap requires jumbo underwriting and pricing.
Some lenders allow 10-15% down on jumbo loans, but expect higher rates and stricter reserve requirements. Most competitive pricing starts at 20% down.
Plan for 30-45 days. Jumbo underwriting involves more documentation review. Having your financials organized upfront keeps things moving.
Yes, and many lenders require two appraisals on higher loan amounts. Chino Hills comps are generally solid, but lender requirements vary.
They can be, but not always by much. The spread depends on the lender and loan structure. Rates vary by borrower profile and market conditions.
Yes, but underwriting is thorough. Expect two years of tax returns and business financials. Strong net income on paper is what closes these deals.