San Bernardino County Conforming Loan Limits 2024

The 2024 conforming loan limit for San Bernardino County is $766,550 for a 1-unit property.

If your loan amount is under $766,550 you can put as little as 3% down, and your entire down payment can be a gift.

First-time homebuyers purchasing a home in San Bernardino County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $97,500 or less.

Loans above $766,550 in San Bernardino County would be considered a jumbo loan. Jumbo loans can have more difficult qualifying requirements, such as mandatory reserve funds and lower maximum debt-to-income ratios.

Homebuyers can put as little as 5% down on 2-4-unit properties as long as the property is their primary residence.

Here are the conforming loan limits for 2 to 4-unit properties in San Bernardino County…

2-unit property – $981,500
3-unit property – $1,186,350
4-unit property – $1,474,400

Click Here for FHA Loan Limits for San Bernardino County 2024

If you are looking for a purchase loan or a refinance in San Bernardino County, we would love to work with you! We can close a purchase loan in as little as 10 days and refinances in 15 days. You won’t find a lower rate and better service than Community First Mortgage.

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Date Updated	Time
Oct 4, 2024	1:50 PM

(Rates subject to change without notice)

Loan Type	Loan Purpose	Loan Term	Interest Rate	APR	Points
Conforming	Purchase	30 year fixed	5.875%	5.976%	0.809
Conforming	Purchase	30 year fixed	6.125%	6.151%	0.000
Conforming	Purchase	20 year fixed	5.625%	5.788%	1.040
Conforming	Purchase	15 year fixed	4.875%	5.050%	0.869
FHA	Purchase	30 year fixed	5.500%	6.236%	0.000
VA	Purchase	30 year fixed	5.500%	5.724%	0.000