Question 1

What loan amount triggers jumbo in San Bernardino County?

Accepted Answer

Any loan above the FHFA conforming limit for San Bernardino County becomes a jumbo loan. That limit adjusts annually — check the current number before you shop.

Question 2

Do jumbo loans require a larger down payment?

Accepted Answer

Most jumbo lenders require 10-20% down. Some programs allow less, but they come with tighter credit and reserve requirements.

Question 3

Can self-employed borrowers get jumbo loans in Upland?

Accepted Answer

Yes, but expect to provide two years of tax returns plus a CPA letter. Lenders scrutinize self-employed income harder on jumbo files.

Question 4

Are jumbo rates higher than conforming rates?

Accepted Answer

Not always. Jumbo and conforming rates move independently. Rates vary by borrower profile and market conditions — get a real quote to compare.

Question 5

How long does a jumbo loan take to close in Upland?

Accepted Answer

Plan for 30-45 days. Appraisals on high-value homes take longer, especially when comparable sales are limited.

Question 6

Does SRK CAPITAL offer jumbo loans in Upland?

Accepted Answer

Yes. SRK CAPITAL has access to jumbo programs across 200+ wholesale lenders, including options for self-employed and high-net-worth borrowers.

Jumbo Loans in Upland, CA — Financing Above the Conforming Limit