Question 1

What is the conforming loan limit in San Bernardino County?

Accepted Answer

San Bernardino County uses the standard FHFA conforming limit — no high-cost adjustment. Any loan above that limit requires jumbo financing.

Question 2

Do I need 20% down for a jumbo loan in Chino?

Accepted Answer

No. Some lenders go as low as 10% down on jumbo. Expect private mortgage insurance or a higher rate below 20%.

Question 3

Can I get a jumbo loan with a 680 credit score?

Accepted Answer

Some lenders allow it, but 700+ is where pricing gets competitive. Below 700, expect tighter guidelines and fewer lender options.

Question 4

Are jumbo rates higher than conforming rates right now?

Accepted Answer

Not always. As of March 2026, Bankrate shows conforming rates at 6.27%. Strong jumbo borrowers can land comparable or lower rates.

Question 5

How much cash do I need in reserves for a jumbo loan?

Accepted Answer

Plan for 12 months of mortgage payments in reserves after closing. Some lenders require more on higher loan amounts.

Question 6

Can self-employed buyers get jumbo loans in Chino?

Accepted Answer

Yes, but lenders will want two years of tax returns. High write-offs reduce qualifying income — plan accordingly before you apply.

Jumbo Loans in Chino, CA — Finance Above Conforming Limits