Question 1

What's the conforming loan limit in San Bernardino County for 2026?

Accepted Answer

The 2026 conforming limit is $832,750. Loans above that require jumbo financing with 20% down and stronger credit.

Question 2

Is San Bernardino County an FHA high-cost area?

Accepted Answer

Yes. San Bernardino is designated as an FHA high-cost area for 2026. FHA loans can reach $690,000 in this county.

Question 3

What's the FHA loan limit in Victorville?

Accepted Answer

FHA loans max out at $690,000 in San Bernardino County for 2026. Most Victorville homes fall within that range.

Question 4

Can I get a VA loan in Victorville without putting money down?

Accepted Answer

Yes. VA loans allow zero-down financing for eligible veterans and active-duty service members. The funding fee replaces PMI at 2.15% for first-time users.

Question 5

Do I need 20% down to avoid PMI on a conventional loan?

Accepted Answer

Yes. With 20% down, PMI is not required. Below 20% down, PMI applies until you reach 78% LTV.

Question 6

What credit score do I need for an FHA loan?

Accepted Answer

FHA requires a minimum 580 FICO score. A 580 score qualifies you for 3.5% down financing.

Question 7

How does Ontario International Airport's expansion affect Victorville?

Accepted Answer

Ontario International Airport's ONT BOLD expansion is underway nearby. Infrastructure improvements can boost regional property values and appeal to growth-focused buyers.

Question 8

What's the difference between FHA and VA loans?

Accepted Answer

VA loans allow zero down with no PMI. FHA requires 3.5% down and charges mortgage insurance for the loan term if down payment is under 10%.

Question 9

Can I use a USDA loan to buy in Victorville?

Accepted Answer

USDA loans are available in eligible rural areas of San Bernardino County. Income limits are set per household size and subject to USDA's published cap for this county.

Question 10

What income do I need to qualify for a mortgage?

Accepted Answer

Income requirements depend on loan type and down payment. San Bernardino County's median household income is $82,184. Most lenders want housing payment below 28% of gross income.

Question 11

Do jumbo loans require a larger down payment?

Accepted Answer

Yes. Jumbo loans above $832,750 typically require 20% down minimum. Rates usually run 0.125% to 0.5% higher than conforming loans.

Question 12

How long does it take to close a mortgage?

Accepted Answer

Most conventional loans close in 30 to 45 days. FHA and VA loans may take 45 to 60 days due to additional underwriting.

Question 13

What's the difference between FHA mortgage insurance and conventional PMI?

Accepted Answer

FHA charges mortgage insurance for the loan term if down payment is under 10%. Conventional PMI cancels at 78% LTV automatically or at 80% upon request.

Victorville mortgage FAQ for San Bernardino County buyers