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Upland sits at the base of the San Gabriel Mountains. Higher-end homes here routinely push past San Bernardino County's conforming loan limit.
Once your loan exceeds that FHFA limit, you're in jumbo territory. That means different lenders, different rules, and usually stricter qualification standards.
700–720+
Min Credit Score
10–20%
Typical Down Payment
12 months
Reserves Required
30–45 days
Avg Close Time
Fixed or ARM
Rate Type Options
Jumbo Loans in Upland
Most jumbo lenders want a credit score of 700 or higher. Some require 720 or better — especially at loan amounts above $2 million.
Reserves matter a lot. Expect lenders to require 12 months of mortgage payments sitting in verified 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 Upland.
Upland sits at the base of the San Gabriel Mountains. Higher-end homes here routinely push past San Bernardino County's conforming loan limit.
Once your loan exceeds that FHFA limit, you're in jumbo territory. That means different lenders, different rules, and usually stricter qualification standards.
Most jumbo lenders want a credit score of 700 or higher. Some require 720 or better — especially at loan amounts above $2 million.
Jumbo loans aren't backed by Fannie Mae or Freddie Mac. Every lender sets their own rules — pricing, overlays, and appetite vary widely.
SRK CAPITAL works with 200+ wholesale lenders. That reach matters on jumbo deals, where one lender's hard no is another lender's easy approval.
On jumbo purchases, the appraisal is your biggest wildcard. Fewer comps in Upland's upper price tier means appraisers have more room to miss.
Get your financial docs tight before you apply. Tax returns, two years of W-2s, and business financials if you're self-employed — gaps slow everything down.
A conforming loan keeps you under the FHFA limit with lower rates and easier approval. If your purchase price forces you over that limit, jumbo is the only path.
ARMs are common on jumbo loans. A 7/1 or 10/1 ARM can cut your rate meaningfully — worth considering if you plan to sell or refi within a decade.
Upland's foothill properties command premium pricing. Homes near the San Antonio Heights area regularly exceed conforming limits by six figures.
San Bernardino County's conforming limit is lower than LA County's. That means more Upland buyers land in jumbo territory than they expect.
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.
Most jumbo lenders require 10-20% down. Some programs allow less, but they come with tighter credit and reserve requirements.
Yes, but expect to provide two years of tax returns plus a CPA letter. Lenders scrutinize self-employed income harder on jumbo files.
Not always. Jumbo and conforming rates move independently. Rates vary by borrower profile and market conditions — get a real quote to compare.
Plan for 30-45 days. Appraisals on high-value homes take longer, especially when comparable sales are limited.
Yes. SRK CAPITAL has access to jumbo programs across 200+ wholesale lenders, including options for self-employed and high-net-worth borrowers.