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Fontana has moved well past its industrial roots. Higher-end homes in the area now regularly push past conforming loan limits.
When a purchase price exceeds the FHFA conforming limit for San Bernardino County, you need a jumbo loan. That means stricter underwriting — full stop.
700+ typical
Min Credit Score
10–20% min
Down Payment
12 months
Cash Reserves
30–45 days
Est. Close Time
Fixed or ARM
Rate Type
Jumbo Loans in Fontana
Most jumbo lenders want a 700+ credit score. Some go to 680, but you'll pay for it in rate.
Expect to show 12 months of reserves — liquid assets covering 12 mortgage payments. Down payment requirements usually start at 10%, often 20%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Fontana.
Fontana has moved well past its industrial roots. Higher-end homes in the area now regularly push past conforming loan limits.
When a purchase price exceeds the FHFA conforming limit for San Bernardino County, you need a jumbo loan. That means stricter underwriting — full stop.
Most jumbo lenders want a 700+ credit score. Some go to 680, but you'll pay for it in rate.
Jumbo loans don't go through Fannie Mae or Freddie Mac. Each lender sets its own rules. That's why shopping matters more here than on any other loan type.
SRK CAPITAL works with 200+ wholesale lenders — including portfolio lenders who hold jumbo loans in-house. Their guidelines vary widely. We find the one that fits your file.
The biggest jumbo mistake we see: borrowers approach their retail bank first. Banks have one set of jumbo guidelines. We have access to dozens.
Self-employed buyers face extra scrutiny on jumbo files. Two years of tax returns, year-to-date P&L, and business bank statements are standard asks. Get these ready early.
If your loan amount falls near the conforming limit, a conventional loan may cost less. Conforming rates are typically lower, and guidelines are looser.
An ARM can make sense on a jumbo. If you plan to sell or refinance within 7 years, a 7/1 ARM often beats a 30-year fixed on rate. Run the numbers before locking.
San Bernardino County's conforming loan limit determines exactly where jumbo territory begins. Any loan above that threshold requires jumbo underwriting.
Fontana's newer master-planned communities and larger custom homes are where jumbo purchases cluster. If you're buying above the limit here, you're not alone.
Any loan amount exceeding the FHFA conforming limit for San Bernardino County is jumbo. Check the current limit before assuming your loan type.
Yes, some lenders allow 10% down on jumbo loans. Expect private mortgage insurance or a higher rate to offset the lower equity.
Usually yes, though not always by much. Rates vary by borrower profile and market conditions — strong credit can close that gap significantly.
Often. Manual underwriting and additional documentation reviews add time. Plan for 30-45 days minimum on a purchase.
Yes, but lenders scrutinize income carefully. Two years of tax returns plus a year-to-date P&L is standard. Prepare early.
Banks have one set of jumbo guidelines. SRK CAPITAL shops across 200+ wholesale lenders to find the program that fits your specific file.