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Fontana splits cleanly: newer tracts up against the foothills in the north, older and cheaper housing on the south side, and the loan that fits one rarely fits the other.
Explore mortgage options in Fontana, San Bernardino County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Homebuyers can also explore options available in nearby Ontario, Rancho Cucamonga, and Rialto. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
North and south, priced apart
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
They are different purchases at different prices. Tell us which one and we will price it properly.
The newer half against the foothills, with most of the recent construction.
A planned community built around a golf course on the northern edge.
The southern side in the Jurupa Hills, with the widest price range in the city.
A foothill community in the north near Coyote Canyon, with mountain views.
The original center on Sierra Avenue, with the oldest and cheapest housing.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Fontana, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Fontana sits in San Bernardino County, part of Southern California's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Fontana borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Fontana borrowers frequently compare options against nearby communities such as Ontario, Rancho Cucamonga, Rialto.
Homes are listing around $320 per square foot.
Updated 9/8/2026
San Bernardino Ca Fontana is updated daily with practical mortgage guidance for this page.