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Victorville sits in the High Desert, where land is cheaper than coastal California. But jumbo territory still exists here — larger custom homes and ranches can push past conforming limits.
The 2026 conforming loan limit for San Bernardino County determines where jumbo lending begins. Any purchase above that threshold requires a jumbo loan.
700+ (720 preferred)
Min Credit Score
6–12 months PITI
Cash Reserves
200+ wholesale lenders
Lender Network
High — thin local comps
Appraisal Risk
Jumbo Loans in Victorville
Jumbo lenders are strict. Most require a 700+ credit score, and many prefer 720 or higher. Debt-to-income ratios are tighter than conventional programs.
Expect to document everything — two years of tax returns, W-2s, and 60-90 days of asset statements. Cash reserves of 6-12 months are standard.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Victorville.
Victorville sits in the High Desert, where land is cheaper than coastal California. But jumbo territory still exists here — larger custom homes and ranches can push past conforming limits.
The 2026 conforming loan limit for San Bernardino County determines where jumbo lending begins. Any purchase above that threshold requires a jumbo loan.
Jumbo lenders are strict. Most require a 700+ credit score, and many prefer 720 or higher. Debt-to-income ratios are tighter than conventional programs.
Jumbo loans aren't sold to Fannie Mae or Freddie Mac. Each lender sets its own guidelines — rates, max loan amounts, and reserve requirements vary widely.
Retail banks offer jumbo products, but wholesale lenders often have more competitive pricing. SRK CAPITAL shops across 200+ wholesale lenders to find the right fit.
Jumbo deals in Victorville are less common than in LA or the Inland Empire's western cities. That means fewer local lenders have appetite for them — which matters.
A broker who works this market regularly knows which lenders are active in San Bernardino County jumbo deals. Going to the wrong lender wastes weeks. Rates vary by borrower profile and market conditions.
If your loan amount is close to the conforming limit, a conventional loan saves you money. Jumbo rates run higher and qualification is harder.
An ARM can lower your rate on a jumbo loan if you plan to sell or refinance within 5-7 years. Interest-only options exist too, but they serve a specific financial profile.
Victorville's High Desert properties include large lots, equestrian estates, and custom builds. These are the deals most likely to hit jumbo thresholds locally.
Appraisals are a real challenge here. Comparable sales data is thin for high-value homes. A weak appraisal can derail a jumbo approval fast.
The threshold is set by the FHFA conforming limit each year. Any loan amount above that limit requires jumbo financing.
Most jumbo lenders require 700 at minimum. A 680 score will disqualify you with the majority of programs — work on the score first.
Generally yes. Jumbo loans carry more lender risk. Rates vary by borrower profile and market conditions, but expect a premium over conforming rates.
Most lenders require 6 to 12 months of mortgage payments in liquid reserves. Some high-balance jumbo programs require more.
The qualification standards are the same. But fewer lenders actively serve the High Desert jumbo market, so lender selection matters more.
Single-family homes, custom builds, and equestrian estates can all qualify. Second homes and investment properties face stricter terms.