* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
San Bernardino, CA, is a gateway city to Southern California’s Inland Empire, offering affordability, scenic mountain views, and a growing real estate market. With its proximity to major freeways, diverse job opportunities, and beautiful outdoor spaces, San Bernardino is an attractive choice for homebuyers looking for value and convenience.
The city’s mix of single-family homes, modern townhouses, and new developments provides a variety of options for buyers. Whether you’re purchasing your first home or upgrading, having the right mortgage lender by your side is essential to securing the best financing.
San Bernardino’s real estate market continues to grow as more buyers seek affordable housing alternatives outside of Los Angeles. The city’s lower cost of living compared to nearby metropolitan areas makes it an appealing option for first-time homebuyers and investors alike.
With home values steadily rising, competition can be strong. That’s why getting pre-approved for a mortgage early can give you an advantage, helping you secure a property before prices increase further. At Sammamish Mortgage, we offer customized loan solutions to match your financial goals.
If you already own a home in San Bernardino, refinancing can be a great financial move. Lowering your mortgage rate, reducing your monthly payments, or cashing out equity for home improvements are some of the most common reasons homeowners refinance.
Here are a few refinancing options to consider:
Our team at Sammamish Mortgage will help you explore your refinancing options and find the best loan terms for your needs.
At Sammamish Mortgage, we are committed to helping homebuyers and homeowners in San Bernardino secure the best financing solutions. Here’s why clients trust us:
Whether you’re buying a new home or refinancing in San Bernardino, CA, Sammamish Mortgage is here to help. Contact us today to explore your mortgage options and get pre-approved for your next home.
In order to secure the most favorable mortgage rate, it is essential to find a trustworthy and reputable mortgage lender. Seek out a mortgage lender that employs highly experienced Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.
San Bernardino borrowers have a wide range of home mortgage options available to them when it comes to real estate.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives California homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
Mortgage rates are influenced by national economic trends, inflation, Federal Reserve policy, your credit profile, and local housing competition in the Inland Empire market.
Improve your credit score, reduce your debt-to-income ratio, shop multiple lenders, and consider locking your rate when conditions are favorable.
Rates don’t change by neighborhood, but some lenders may adjust pricing based on property type, condition, or ZIP code-specific risk factors.
Rates can shift daily or even multiple times during a volatile economic period.
It depends on your timeline and market trends. If you’re under contract or nearing closing, locking can protect you from sudden spikes.
Yes. Programs from CalHFA and some local lenders offer discounted rates and down payment assistance for first-time buyers.
FHA loans often have competitive interest rates and flexible credit requirements, making them popular for first-time buyers in the Inland Empire.
Yes. Qualified veterans and active-duty service members often enjoy lower rates and no mortgage insurance requirements through VA loans.
ARMs can offer lower initial rates and may make sense if you plan to sell or refinance within a few years, but they carry long-term rate-change risk.
Most lenders offer rate locks for 30, 45, 60, or 90 days depending on the loan type and your closing timeline.
Jumbo loans often carry higher rate standards, although competitive pricing is available depending on your credit and down payment.
Typically proof of income, tax returns, bank statements, employment history, and a strong credit profile. Complete documentation can help secure better pricing.
Absolutely. You’ll need solid financial records, usually two years of tax returns, but self-employment doesn’t prevent competitive rates.
Yes. Paying discount points can reduce your interest rate, especially if you plan to stay in the home long enough to reach the break-even point.
Sammamish Mortgage stands out in the lending industry for several reasons, including out in-house underwriting, $1 lender fees, rate transparency, Cash Buyer Program, bridge loans, and impressive clients testimonials.
“Licensed by the Department of Financial Protection and Innovation under the San Bernardino Residential Mortgage Lending Act”
Whether you’re buying a home or ready to refinance, our professionals can help.
{hours_open} - {hours_closed} Pacific
No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
