Question 1

What's the conforming loan limit in San Bernardino County for 2026?

Accepted Answer

The 2026 conforming limit is $832,750. Loans above that amount are jumbo and carry stricter requirements.

Question 2

Is San Bernardino County an FHA high-cost area?

Accepted Answer

Yes. San Bernardino is designated an FHA high-cost area, so the FHA limit is $690,000.

Question 3

How much down payment do I need to buy in Highland?

Accepted Answer

Conventional loans typically require 5% to 20% down. FHA requires 3.5% down with a 580+ credit score.

Question 4

What credit score do I need for an FHA loan?

Accepted Answer

FHA requires a minimum 580 FICO score. Lenders often prefer 620+, but 580 is the floor.

Question 5

Do I need 20% down to avoid PMI on a conventional loan?

Accepted Answer

Yes. At 20% down (80% LTV), you skip PMI entirely. Below 20% down, PMI applies until you reach 78% LTV.

Question 6

Can I get a VA loan with zero down in Highland?

Accepted Answer

Yes. VA-eligible borrowers with a Certificate of Eligibility can finance up to the conforming limit with zero down.

Question 7

What's the FHA upfront mortgage insurance premium?

Accepted Answer

FHA charges 1.75% of the loan amount upfront. This rolls into your loan balance.

Question 8

How does the Ontario Airport expansion affect Highland's market?

Accepted Answer

Ontario International Airport's ONT BOLD expansion project is underway. This could boost regional infrastructure and property values.

Question 9

What local dining and events matter to Highland buyers?

Accepted Answer

The Inland Empire's craft brewery scene draws residents. New coffeehouses and the monthly Farmer Boys car show in nearby Upland add appeal.

Question 10

How long does it take to close a mortgage in Highland?

Accepted Answer

Typical closing takes 30 to 45 days from application to funding. Appraisal and underwriting are the main steps.

Question 11

Do I need to sell my current home before buying in Highland?

Accepted Answer

Not necessarily. If you have equity, a bridge loan can fund your down payment. Lenders assess your total debt-to-income ratio.

Question 12

What's the difference between FHA and conventional in Highland?

Accepted Answer

FHA requires 3.5% down and accepts lower credit scores. Conventional typically needs 5%+ down and 620+ FICO.

Highland home loan questions answered