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Loma Linda sits in San Bernardino County, where conforming loan limits cap what standard loans can finance. When your purchase price clears that ceiling, you're in jumbo territory.
Jumbo loans cover mortgages above the FHFA conforming limit. In San Bernardino County, that threshold determines when buyers need a different loan strategy entirely.
700–720 Typical
Min Credit Score
10–20% Min
Down Payment
12 Months PITI
Cash Reserves
30–45 Days
Est. Close Time
Fixed or ARM
Rate Type
Jumbo Loans in Loma Linda
Jumbo lenders play by stricter rules than conforming programs. Most want a credit score of 700 or higher — many push for 720 or better.
Reserves matter a lot here. Expect lenders to want 12 months of mortgage payments sitting in your accounts after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Loma Linda.
Loma Linda sits in San Bernardino County, where conforming loan limits cap what standard loans can finance. When your purchase price clears that ceiling, you're in jumbo territory.
Jumbo loans cover mortgages above the FHFA conforming limit. In San Bernardino County, that threshold determines when buyers need a different loan strategy entirely.
Jumbo lenders play by stricter rules than conforming programs. Most want a credit score of 700 or higher — many push for 720 or better.
Not every lender does jumbo well. Banks, credit unions, and wholesale lenders each price jumbo differently — sometimes by a full point.
SRK CAPITAL works with 200+ wholesale lenders, which means we can actually shop your jumbo loan. One application, multiple competing offers.
Jumbo underwriting is manual, not automated. The underwriter reads your file personally. Clean documentation closes deals — messy files kill them.
Self-employed borrowers face extra scrutiny on jumbo loans. Two years of tax returns, a CPA letter, and solid bank statements are your best friends.
If you're near the conforming limit, a conforming loan may save you money. Conforming rates are typically lower than jumbo rates. Rates vary by borrower profile and market conditions.
An ARM can make sense on a jumbo loan. Borrowers who plan to sell or refinance in 5–7 years sometimes take a lower initial ARM rate on a large balance.
Loma Linda is home to a major university medical center. Physicians and medical professionals here frequently need jumbo financing for higher-priced properties.
San Bernardino County uses standard FHFA conforming limits. Buyers at the upper end of the Loma Linda market will hit the jumbo threshold faster than they expect.
San Bernardino County uses the standard FHFA conforming limit. Any loan above that limit is considered jumbo.
Most jumbo lenders want 700 at minimum. To get the best pricing, aim for 720 or higher.
Most jumbo lenders require 10–20% down. The exact amount depends on your loan size and lender guidelines.
Some lenders offer physician loan programs that overlap with jumbo sizes. SRK CAPITAL can compare both options for you.
Typically yes. Jumbo rates run higher because they carry more lender risk. Rates vary by borrower profile and market conditions.
Manual underwriting adds time. Plan for 30–45 days, and have all documents ready before you start.