Mortgage Broker in Fontana, CA — Home Loans for Purchase and Refinance

If you are buying a home or refinancing in Fontana, Lendia can help. Lendia, Inc. is a licensed California mortgage broker, not a bank. Instead of offering a single lender’s products, we compare options from the wholesale lenders we work with for FHA, VA, conventional, jumbo and non-QM loans, then walk you through the choices that fit your situation. Fontana is in San Bernardino County, and we arrange loans for properties throughout the county.

Buying or Refinancing in Fontana

Fontana is a large San Bernardino County city in the Inland Empire, built up in recent decades with sizable tract neighborhoods, many with HOA communities and parks. A steel-mill history and a more recent warehouse and logistics economy shape employment, and the city sits along major freeway corridors that make commuting to other parts of the region possible. Older homes exist near the original center, but newer construction is a significant part of the housing picture.

Buyers in the newer tracts may use FHA, VA, or conventional loans, and builder incentives or special tax assessments on certain developments can affect the monthly payment. Because San Bernardino County is not a high-cost county, jumbo loans are less often needed than on the coast, though larger purchases can still cross the conforming threshold. Borrowers with commuting jobs, shift work or overtime income should know that underwriters count that pay under specific rules. We help you understand how your pay structure counts, how HOA dues affect qualifying, and which loan lines up with your plans for the next several years.

Common Loan Situations in Fontana

• New construction purchases. Builder contracts, incentives, and extra property taxes can change the loan math, so we review them with you before signing.
• Shift and overtime earners. Logistics and warehouse workers may have pay that varies, and we show how lenders average it.
• VA buyers. Veterans and active-duty borrowers can often purchase with little or no down payment under VA rules.

San Bernardino County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in San Bernardino County is $832,750. That is the national baseline limit for 2026. Conventional loans above it are jumbo loans, which follow different guidelines from conforming loans, so it helps to know early which side of the line your purchase falls on. VA loans work differently: with full entitlement there is no VA-set loan limit, and the county limit mainly matters for borrowers with reduced or remaining entitlement. You can look up the limit for a specific ZIP code on our California loan limits page.

Home Loan Programs Available in Fontana

• Conventional loans — for buyers and homeowners with solid credit; down payment options start as low as 3% for eligible buyers.
• FHA loans — government-insured loans with down payments as low as 3.5% for qualified borrowers and more flexible credit guidelines.
• VA loans — up to 100% financing for eligible veterans, active-duty service members and some surviving spouses.
• Jumbo loans — for conventional loan amounts above the San Bernardino County limit of $832,750.
• Non-QM and bank statement loans — alternative documentation for self-employed borrowers, investors and other non-traditional income.
• Refinancing — rate-and-term and cash-out options for current Fontana homeowners.

How Working With Lendia Goes

1. Start with your goals. Tell us whether you are buying, refinancing or taking cash out, and what monthly payment feels comfortable. The affordability guide shows how lenders look at your income and debts.
2. Get preapproved. We review your income, assets and credit, then explain which programs fit. See what to expect in our preapproval guide.
3. Compare options. Because we are a broker, we can compare programs from the lenders we work with rather than quoting one product.
4. Close with clear communication. We keep you updated on appraisal, underwriting and closing steps so there are no surprises.

Common Questions From Fontana Borrowers

What is the loan limit in San Bernardino County?

For 2026, the one-unit conforming limit in San Bernardino County is $832,750. Conventional loan amounts above it are jumbo loans, while VA loans with full entitlement have no VA-set limit. Limits are higher for two- to four-unit properties.

Can I buy in Fontana with less than 20% down?

Yes, depending on the program. Conventional loans can go as low as 3% down for eligible buyers, FHA loans as low as 3.5% down for qualified borrowers, and VA loans offer up to 100% financing for eligible borrowers. Lower down payments usually mean mortgage insurance on conventional and FHA loans. Our down payment guide explains the tradeoffs.

Is Lendia a bank or a broker?

Lendia is a mortgage broker, which means we arrange your loan with a lender rather than lending our own money. Lendia, Inc. is licensed in California only. You can verify our license on the NMLS Consumer Access website using NMLS #295073.

Ready to talk about your Fontana purchase or refinance? Request a rate quote or call (949) 333-4636.

Lendia, Inc. | 1907 Millwood St, Santa Ana, CA 92705 | NMLS #295073 | Licensed by the California DRE #01877189