Question 1

What is the conforming loan limit for San Bernardino County?

Accepted Answer

The FHFA sets conforming limits annually. Any loan above that limit in San Bernardino County requires jumbo financing.

Question 2

Do jumbo loans have higher rates than conventional?

Accepted Answer

Often yes. As of March 2026, Forbes reported jumbo rates rising while conforming rates fell. Rates vary by borrower profile and market conditions.

Question 3

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 or higher. Some require 720+. Conventional loans can approve borrowers down to 620.

Question 4

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

Accepted Answer

A few lenders allow 10% down on jumbo, but 20% is standard. Expect stricter terms if you go below that threshold.

Question 5

Are jumbo loans common in Victorville?

Accepted Answer

Not as common as in coastal California. Most Victorville price points fall within conventional loan limits.

Question 6

How do I know which loan type I need?

Accepted Answer

It comes down to your loan amount versus the current conforming limit. We run this comparison on every deal before recommending a program.

Conventional vs Jumbo Loans in Victorville, CA