Question 1

What is the conforming loan limit for San Bernardino County?

Accepted Answer

The FHFA sets conforming limits annually. Any loan above that limit in San Bernardino County requires jumbo financing.

Question 2

What credit score do I need for a jumbo loan in Highland?

Accepted Answer

Most lenders require at least 700. Many preferred jumbo programs want 720 or higher for best pricing.

Question 3

How much do I need for a down payment on a jumbo loan?

Accepted Answer

Typically 10-20%. Some programs allow 10% down, but rates and reserve requirements increase below 20%.

Question 4

Can self-employed buyers get jumbo loans in Highland?

Accepted Answer

Yes, but expect full documentation — two years of returns, P&L, and business bank statements. Guidelines vary by lender.

Question 5

How does SRK CAPITAL help with jumbo loans in Highland?

Accepted Answer

We shop your file across 200+ wholesale lenders. That means more jumbo programs and better pricing than a single bank can offer.

Jumbo Loans in Highland, CA — Financing Above the Conforming Limit