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Fontana sits in San Bernardino County, where conforming loan limits give buyers real purchasing power. Most single-family purchases here fall within those limits.
HousingWire just flagged that the 30-year fixed hit 6.57%, with applications dropping sharply. For conforming borrowers, that rate environment means locking smart matters right now.
6.57% (Apr 2026)
30-Year Fixed Rate
620
Min Credit Score
3%
Min Down Payment
45%
Max DTI
21–30 days
Typical Close Time
Conforming Loans in Fontana
Conforming loans follow Fannie Mae and Freddie Mac guidelines. Lenders require a minimum 620 credit score, though better rates start closer to 740.
Debt-to-income ratio — your monthly debts divided by gross income — must stay under 45% for most programs. Down payment can be as low as 3% for qualified buyers.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Fontana.
Fontana sits in San Bernardino County, where conforming loan limits give buyers real purchasing power. Most single-family purchases here fall within those limits.
HousingWire just flagged that the 30-year fixed hit 6.57%, with applications dropping sharply. For conforming borrowers, that rate environment means locking smart matters right now.
Conforming loans follow Fannie Mae and Freddie Mac guidelines. Lenders require a minimum 620 credit score, though better rates start closer to 740.
Conforming loans are the most widely traded product on the secondary market. That means more lenders compete for your business — and rates stay tighter than non-conforming products.
At SRK CAPITAL, we run your scenario across 200+ wholesale lenders. Retail banks quote one rate. We find the actual best execution for your profile.
Most Fontana buyers don't realize their loan size qualifies as conforming. That's good news — conforming pricing beats jumbo pricing almost every time.
Rates vary by borrower profile and market conditions. Your credit tier, loan-to-value, and property type all move the rate. A 760 score can save you thousands over a 680.
FHA loans allow lower credit scores but add mortgage insurance that's harder to remove. Conforming loans let you cancel PMI once you hit 20% equity.
Jumbo loans kick in above conforming limits. If your purchase stays within the San Bernardino County limit, a conforming loan almost always gets you a lower rate.
Fontana's housing stock skews toward single-family detached homes. Conforming guidelines handle those cleanly — fewer appraisal complications than condos or multi-unit properties.
San Bernardino County's price range means most buyers aren't being pushed into jumbo territory. That keeps your loan options broad and your rate competitive.
San Bernardino County uses the standard conforming limit set by Fannie Mae and Freddie Mac. Most Fontana purchases fall within that limit.
Yes. Conforming loans allow as little as 3% down. You'll pay PMI until you reach 20% equity, then cancel it.
Fannie Mae and Freddie Mac use risk-based pricing. A 760 score gets meaningfully better terms than a 680. Rates vary by borrower profile and market conditions.
Conforming loans are a subset of conventional loans. They meet Fannie and Freddie size and guideline limits — conventional just means non-government-backed.
Most conforming loans close in 21 to 30 days. Clean documentation and a responsive borrower keep things on schedule.
Yes. SRK CAPITAL shops conforming loans across 200+ wholesale lenders. We find the best rate and terms for your specific scenario.