* $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.
A mortgage is a loan used to purchase or refinance a home, with the property serving as collateral for the loan.
Eligibility for home loans in California typically depends on factors like credit score, income, down payment, and property type.
The mortgage process usually involves getting pre-approved, submitting a full loan application with documentation, undergoing appraisal and underwriting, and closing on the loan once approved.
Yes, most loans require a down payment, typically 3%–20%, though VA and USDA loans may offer zero down.
Conventional loans generally require a credit score of 620+, FHA loans may allow as low as 580, while jumbo loans often need 700+.
A conforming loan falls under Fannie Mae/Freddie Mac limits ($806,500 baseline in 2025, up to $1,209,750 in high-cost counties), while jumbo loans exceed these loan limits.
Popular options include conventional, FHA, VA, USDA, and jumbo loans.
Closing costs typically range from 2% – 5% of the loan amount, including fees, title insurance, and escrow.
Usually the buyer, but sellers sometimes offer credits to cover part of them.
Yes, if your down payment is less than 20% on a conventional loan, or with FHA loans regardless of down payment.
Yes, but you’ll typically need a larger down payment and higher credit score.
Yes, lenders may accept bank statements, tax returns, or other income documentation to qualify self-employed borrowers.
Yes, you can refinance to lower your rate, change loan terms, or access equity through cash-out refinancing.
Sammamish Mortgage offers $1 lender fees, in-house underwriting for faster approvals, competitive rates, vast network of lenders, and over 1,500 5-star reviews from satisfied clients.
“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.
