Question 1

What is the conforming loan limit in San Bernardino County?

Accepted Answer

The 2025 conforming limit for San Bernardino County is $806,500. Loans above that amount require jumbo financing.

Question 2

Do jumbo loans require a higher credit score?

Accepted Answer

Yes. Most jumbo lenders want a 700 or higher. Conventional loans can approve borrowers at 620.

Question 3

Can I put less than 20% down on a jumbo loan?

Accepted Answer

Some lenders allow 10% down on jumbo loans. Expect stricter terms and higher rates at lower down payments.

Question 4

Are conventional loan rates lower than jumbo rates?

Accepted Answer

Often, but not always. The gap narrows for borrowers with excellent credit. Rates vary by borrower profile and market conditions.

Question 5

What is a piggyback loan and can it help me avoid jumbo?

Accepted Answer

A piggyback loan splits your financing into two loans to stay under the conforming limit. It works for some borrowers — not all.

Question 6

How many months of reserves do jumbo lenders require?

Accepted Answer

Most jumbo lenders want 12 months of reserves in liquid assets. Some high-balance loans require even more.

Conventional vs Jumbo Loans in Chino, CA