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Rialto sits in the Inland Empire, one of Southern California's most active housing corridors. Conventional loans are the workhorse here — flexible terms, no upfront mortgage insurance premium, and no agency overlays.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply. For Rialto buyers, that makes rate shopping across lenders more important than ever. Rates vary by borrower profile and market conditions.
620
Min Credit Score
3% (select programs)
Min Down Payment
20% down or equity
PMI-Free Threshold
6.57% (Apr 2026)
30-Yr Fixed Benchmark
21–30 days
Typical Close Time
Most conventional loans require a 620 minimum credit score. Better scores — 740 and above — unlock the best pricing tiers.
Down payment starts at 3% for first-time buyers on some programs. Put down 20% and you skip private mortgage insurance (PMI) entirely.
SRK CAPITAL works with 200+ wholesale lenders. That means we're comparing rates and program guidelines — not just picking from one shelf.
Retail banks show you one rate. We show you what the wholesale market actually offers. For a Rialto buyer, that difference can be hundreds per month.
Most Rialto deals I see are conventional or FHA. Conventional wins when your credit is strong and you have some equity or down payment to work with.
Don't assume conventional is always cheaper than FHA. Run both scenarios. At certain credit scores, FHA's mortgage insurance beats conventional PMI.
FHA loans allow lower credit scores but carry an upfront mortgage insurance premium and lifetime monthly MIP on most terms. Conventional PMI cancels automatically at 78% loan-to-value.
Jumbo loans kick in above conforming limits. For most San Bernardino County purchases, conventional conforming covers the price range — no jumbo needed.
San Bernardino County conforming loan limits apply here. Stay under that ceiling and you're in standard conventional territory — better rates, simpler approvals.
Rialto has a mix of owner-occupied homes and investment properties. Conventional guidelines on non-owner-occupied purchases are stricter — expect a higher down payment and rate adjustment.
Lenders require at least 620. Scores above 740 get the best rates and lowest PMI costs.
Yes. Put 20% down and PMI never applies. It also cancels once your equity reaches 20%.
Conventional wins with stronger credit. FHA can be cheaper if your score is below 680.
Yes. We shop conventional programs across 200+ wholesale lenders to find the best fit for your profile.
Some programs allow 3% down for first-time buyers. Most conventional loans start at 5% down.
Both options exist. Fixed rates offer payment stability. ARMs start lower but adjust after an initial period.
Conventional Loans in Rialto