Delivering affordable home financing in the City of San Bernardino, helping working families secure purchase mortgages and cash-out refinancing.
Serving Verdemont, Kendall, Del Rosa, Arrowhead, and Downtown San Bernardino.
Statutory Verification: Riverside-San Bernardino MSA: Conventional limit is the national baseline ($832,750); HUD FHA limit is $690,000. (Source: 2026 FHFA Conforming & HUD FHA limits) Federal baseline conforming limit is $832,750; maximum high-cost ceiling is $1,249,125. VA financing provides 0% down with full entitlement without statutory county loan caps.
Explore primary purchase, refinancing, and equity loan programs with direct underwriting support.
Competitive 30-year and 15-year fixed-rate financing for purchase and refinancing throughout California.
Government-backed financing featuring flexible credit criteria and low 3.5% down payment options.
Zero down payment mortgage options and no monthly PMI for California active-duty military and eligible veterans.
Financing for California luxury and high-cost properties exceeding baseline FHFA conforming limits.
Rate-and-term and cash-out refinancing options to lower monthly payments or access property equity.
Access accumulated home equity for renovations, investments, or liquidity without altering your primary rate.
Dedicated guidance, down payment education, and streamlined pre-approvals for new California homebuyers.
Model estimated monthly principal, interest, taxes, and insurance payments for California properties.
Common home financing questions for borrowers in San Bernardino, California.
Yes. FHA 3.5% down and conventional 3% down programs are available to eligible buyers in San Bernardino.
Overtime, bonuses, and shift differentials can be evaluated under standard mortgage guidelines when supported by customary documentation.
Yes. We provide refinance options for 1-to-4 unit residential investment properties in San Bernardino through conventional and specialized investor lending programs.
Explore conforming limits, property tax context, and all programs available across San Bernardino County.
Get pre-approved online or speak directly with our Beverly Hills lending team. Transparent rates, zero origination surprises, and direct California loan officers.