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Highland sits in San Bernardino County, where property values on larger estates can push past conforming loan limits. When that happens, you need a jumbo loan.
Jumbo loans cover purchase prices that exceed the FHFA conforming limit. As of April 2026, that threshold matters more than ever for move-up buyers in the Inland Empire.
700 (720+ preferred)
Min Credit Score
Up to 43%
DTI Limit
10–20%
Down Payment
12 months required
Cash Reserves
Fixed or ARM available
Rate Type
Jumbo Loans in Highland
Jumbo lenders set the bar higher than conforming loans. Expect a minimum 700 credit score — many lenders want 720 or above.
Debt-to-income ratio (DTI) limits are strict. Most jumbo lenders cap DTI at 43%. You'll also need 12 months of cash reserves after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Highland.
Highland sits in San Bernardino County, where property values on larger estates can push past conforming loan limits. When that happens, you need a jumbo loan.
Jumbo loans cover purchase prices that exceed the FHFA conforming limit. As of April 2026, that threshold matters more than ever for move-up buyers in the Inland Empire.
Jumbo lenders set the bar higher than conforming loans. Expect a minimum 700 credit score — many lenders want 720 or above.
Jumbo loans aren't sold to Fannie Mae or Freddie Mac. Each lender sets its own rules — and those rules vary widely.
SRK CAPITAL accesses 200+ wholesale lenders with jumbo programs. That means we can match your profile to a lender whose guidelines actually fit.
Most borrowers I see get tripped up on reserves. Lenders want liquid assets — not just equity in another property.
Self-employed buyers in Highland face extra scrutiny. Two years of tax returns, year-to-date P&L, and business bank statements are standard asks on jumbo files.
If your loan amount falls near the conforming limit, a conforming loan is almost always cheaper. Lower rate, easier approval, less documentation.
ARMs are worth comparing on jumbo deals. A 7/1 ARM can cut your rate meaningfully if you plan to sell or refinance within seven years.
Highland's higher-end properties — especially hillside homes near the San Bernardino National Forest — can easily cross conforming thresholds.
San Bernardino County appraisers have less jumbo comp data than LA or Orange County. That can slow the appraisal process. Budget extra time.
The FHFA sets conforming limits annually. Any loan above that limit in San Bernardino County requires jumbo financing.
Most lenders require at least 700. Many preferred jumbo programs want 720 or higher for best pricing.
Typically 10-20%. Some programs allow 10% down, but rates and reserve requirements increase below 20%.
Yes, but expect full documentation — two years of returns, P&L, and business bank statements. Guidelines vary by lender.
We shop your file across 200+ wholesale lenders. That means more jumbo programs and better pricing than a single bank can offer.