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FHA Loans in Loma Linda
What's the monthly payment on a $750,000 FHA loan at 5.875%?
Principal and interest run $4,437 monthly at 5.887% APR. Add property taxes, insurance, and mortgage insurance—total housing cost typically runs $5,200 to $5,600 monthly.
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Loma Linda sits in San Bernardino County where the median household income of $82,184 supports homes in the $600K–$750K range. At 5.875%, a $750,000 FHA purchase runs $4,437 monthly in principal and interest alone.
Ontario International Airport's ONT BOLD expansion project signals real infrastructure investment nearby. That kind of regional growth supports long-term home values for buyers committing to the area now.
5.875%
Interest Rate
$4,437
Monthly Payment (P&I)
580
Minimum FICO
3.5%
Minimum Down Payment
$690,000
2026 FHA Limit
17-21 days
Typical Close
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FHA requires a 580 FICO minimum to qualify, but most lenders prefer 640 or higher for the best rates. At 740 FICO, you qualify for competitive pricing. Down payment starts at 3.5% on a primary residence.
San Bernardino County's median household income of $82,184 stretches to cover homes near $750,000 with FHA's lower down-payment requirement. That gap matters when savings are limited.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Loma Linda.
Loma Linda sits in San Bernardino County where the median household income of $82,184 supports homes in the $600K–$750K range. At 5.875%, a $750,000 FHA purchase runs $4,437 monthly in principal and interest alone.
Ontario International Airport's ONT BOLD expansion project signals real infrastructure investment nearby. That kind of regional growth supports long-term home values for buyers committing to the area now.
FHA requires a 580 FICO minimum to qualify, but most lenders prefer 640 or higher for the best rates. At 740 FICO, you qualify for competitive pricing. Down payment starts at 3.5% on a primary residence.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
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FHA loans in California move through a standard underwriting process that typically takes 17-21 days from application to close. Lenders verify employment, assets, and credit carefully but follow consistent agency guidelines.
Most brokers and retail lenders offer FHA in San Bernardino County. Competition keeps rates tight, but approval timelines depend on how quickly you submit documents and respond to requests.
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FHA makes sense in Loma Linda when you have limited savings but solid credit. At 740 FICO and 3.5% down, the rate stays competitive with conventional 10% down—and you keep $17,500 more in the bank.
Above $690,000, FHA hits the 2026 San Bernardino County limit. Conventional or jumbo becomes necessary for higher-priced homes in the area.
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Conventional loans typically require 5% to 20% down and a 620+ FICO. FHA opens the door at 3.5% down with a 580 FICO floor, but trades that flexibility for lifetime mortgage insurance below 10% down.
At 740 FICO and 3.5% down, FHA's rate stays within 0.125% of conventional 10% down. The real win is keeping more cash at closing—FHA costs $27,202 down versus $77,720 for conventional 10%.
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Three Inland Empire breweries—Claremont Craft Ales, Hangar 24, and Old Stump Brewing—won recognition in a regional craft beer competition. That kind of local character and dining growth makes the area more attractive to buyers building long-term roots.
Six new coffeehouses have opened recently across the Inland Empire. Lifestyle amenities like these signal an active community that supports home values and buyer satisfaction over time.
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FHA lending in San Bernardino County remains steady, with consistent approval rates for qualified borrowers. Lenders compete actively on rates and closing timelines, keeping the process transparent and predictable.
First-time buyers and repeat FHA borrowers both move through underwriting at similar speeds. The key is submitting complete documentation upfront—employment verification, tax returns, and asset statements.
FAQ
Principal and interest run $4,437 monthly at 5.887% APR. Add property taxes, insurance, and mortgage insurance—total housing cost typically runs $5,200 to $5,600 monthly.
No. FHA requires only 3.5% down minimum with 580+ FICO. On a $777,202 purchase, that's $27,202 down. Conventional loans typically need 5% to 20% down.
FHA requires a 580 FICO minimum to qualify. Most lenders prefer 640 or higher for better rates. At 740 FICO, you qualify for the best pricing and terms.
Yes—if you put down 10% or more, MIP cancels after 11 years. Below 10% down, MIP runs for the life of the loan. Refinancing to conventional is the standard path to remove it.
No. The 2026 FHA limit in San Bernardino County is $690,000. Above that, you'd need conventional or jumbo financing. Most Loma Linda homes stay under this cap.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in San Bernardino County
Our team of licensed mortgage brokers works San Bernardino County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including San Bernardino County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.