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Southern California · CaliforniaMortgage lender in San Bernardino County, CA
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in San Bernardino County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $690,000.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in San Bernardino County
San Bernardino County, with its county seat in San Bernardino, also takes in Fontana, Rancho Cucamonga, Ontario, Victorville, Rialto, Redlands and Chino Hills. San Bernardino County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in California, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $690,000 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- escrow and title company
- State housing agency
- California Housing Finance Agency (CalHFA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. San Bernardino County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
San Bernardino County: valley, mountains and high desert
The county has three parts. The valley cities, including Fontana, Rancho Cucamonga, Ontario and Chino, are commuter suburbs with a great deal of newer housing, where special taxes and association dues are common. The high desert around Victorville, Hesperia and Apple Valley has the most moderate prices in the region.
In the mountains, around Big Bear and Lake Arrowhead, many properties are cabins and vacation homes. The first questions there are whether the home will be a primary residence, a second home or a rental, and whether homeowners insurance is available, because wildfire exposure makes coverage difficult. Fort Irwin and other installations bring VA-eligible buyers to the desert communities.
San Bernardino County by the numbers
- Median home value
- $505,000 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.70% of home value a year: median tax bill $3,538 on a median value of $505,000 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- County documentary transfer tax of 55 cents per $500 of the price; some cities add their own (California Revenue and Taxation Code § 11911)
- Largest communities
- San Bernardino, Fontana, Ontario, Rancho Cucamonga (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $505,000. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $690,000.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in California
Closings in California are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the California page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions San Bernardino County buyers ask
Does Stellar Mortgage lend in San Bernardino County, CA?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in California and makes purchase and refinance loans in San Bernardino County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for California and works California files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in San Bernardino County?
For 2026 the conforming loan limit for a one-unit home in San Bernardino County is $832,750 and the FHA limit is $690,000. San Bernardino County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in San Bernardino County?
The California Housing Finance Agency (CalHFA) runs California’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in San Bernardino County?
Counties may charge 55 cents per $500 of the price, and many cities add their own transfer tax, so the total depends on the city. The statute does not assign the cost to the buyer or the seller; the purchase contract decides.
California notice. Loans made or arranged pursuant to a California Financing Law license. Stellar Mortgage Corporation, NMLS #2190975.
Limits shown are the 2026 FHFA and HUD figures for San Bernardino County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in San Bernardino County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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