Question 1

What is the conforming loan limit in San Bernardino County?

Accepted Answer

San Bernardino County follows the standard FHFA conforming limit for 2026. Any loan above that threshold requires jumbo financing.

Question 2

Are jumbo rates always higher than conventional rates?

Accepted Answer

Not always. Jumbo rates depend heavily on the lender and your borrower profile. Shopping multiple lenders is critical. Rates vary by borrower profile and market conditions.

Question 3

Can I put less than 20% down on a jumbo loan?

Accepted Answer

Some lenders allow 10% down on jumbo loans. You'll need an excellent credit score and strong reserves to qualify at that down payment level.

Question 4

Do conventional loans require mortgage insurance?

Accepted Answer

Only if you put down less than 20%. PMI drops off once your equity reaches 20% of the original home value.

Question 5

Which loan is harder to get approved for?

Accepted Answer

Jumbo loans are harder. Lenders set their own rules, and they want higher credit scores, more reserves, and lower debt-to-income ratios.

Question 6

Can SRK CAPITAL help me compare both loan options?

Accepted Answer

Yes. We access 200+ wholesale lenders and run both scenarios side by side. You see the real numbers before you commit.

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