VA Loan Limits in San Bernardino County

San Bernardino County is vast — in fact, it’s the largest county in the United States by area. Nearly the size of West Virginia, San Bernardino County offers a range of opportunities for Veterans looking to invest in a home of their own. Whether you’re looking to build your own custom home or purchase a move-in ready property, you should know how the VA loan limits in San Bernardino County have changed the game for Veteran home buyers!

How are VA Loan Limits in San Bernardino Changing?

In the past, VA loan limits have determined the amount that military borrowers in San Bernardino County can receive without a down payment. A new piece of legislation called the Blue Water Navy Vietnam Veterans Act has changed that drastically. As of Jan 1st, 2020, county VA loan limits are no more. This means that eligible borrowers with full entitlement can now have achieve 100% financing, no matter how high the purchase price is of the home!

Watch this brief video and discover how the VA Conforming & VA Jumbo Loan Limits still apply:

These rule changes don’t mean unlimited home loans for everybody — you’ll still need to meet the lender’s underwriting and credit requirements in order to be approved. The previous San Bernardino County VA loan limit, which followed the Federal Housing Finance Agency’s conforming loan limit, is still relevant for two reasons. First, lenders may take a harder look at loans above these this limit, depending on the loan size. Second, if you’re a VA borrower who doesn’t have a down payment and wants to buy a home that costs more than the latest maximum conforming loan amount, you’ll be looking at a VA jumbo loan product to finance your home.

Conforming Loan Limits

Although the VA will now guarantee loans with no down payment for an unlimited amount above the Conforming loan limit for Veterans with full VA loan entitlement, those with diminished entitlement will still be limited by this number. If you’ve used your entitlement in the past or have had it affected by a foreclosure, there are ways to restore your full entitlement and take advantage of the new rules. Reach out to a VA loan expert to find out what your options are.

Other VA Home Loan Changes

VA rules are evolving in more ways than one. Besides getting rid of the San Bernardino County VA Loan Limits, there are a few tweaks coming to how the VA Funding Fee works. In short, most active duty Veterans will see a slight increase in fees, while reservists will see a minor dip. Purple Heart recipients are now entirely exempt from paying the VA Funding Fee.

Here Are The Cities Where These Loan Limit Changes Apply:

Adelanto
Apple Valley
Barstow
Big Bear Lake
Chino
Chino Hills
Colton
Crestline
Fontana
Grand Terrace
Hesperia
Highland
Joshua Tree
Lake Arrowhead
Loma Linda
Lucerne Valley
Montclair
Needles
Ontario
Rancho Cucamonga
Redlands
Rialto
Running Springs
San Bernardino
Twentynine Palms
Upland
Victorville
Wrightwood
Yermo
Yucaipa
Yucca Valley

Here Are The Zip Codes Where These VA Loan Limit Changes Apply:

91709
92336
92345
91730
92335
91710
92376
92399
91786
91762
92346
92407
92404
91761
92392
91764
92395
92308
92307
92374
92410
91701
93555
91739
92311
91763
92277
92301
92394
92354
91784
92337
92405
91737
92316
92411
92377
92344
91708
92314
92325
92313
92252
92408
92315
92371
92310
92359
92356
92363
92342
92329
92382
92393
92372
92317
91729
92256
92352
92334
92285
92340
92386
92375
91785
92286
92423
93516
92365
92391
92427
92242
92312
92401
92321
93562
92398
92402
92406
92331
92413
92339
92333
92368
92358
92268
92369
92385
92347
92305
92378
91743
92322
92341
92327
92267
92278
92309
93528
92318
93558
92364
92332
92338
92323
92366
92326
92304
92403
92357
92350
92412
92414
92415
92418
92424
91798
91758

Expanding Opportunities for Veterans

Whether you’re just starting the search for your first home or you’re an experienced homeowner looking for a move, it’s important to make the most out of your VA benefits. We're a team of Veterans helping Veterans at SoCal VA Homes, and we're committed to your success at every step of the way. We understand the challenges that Veterans face in the real estate market, and we’ve developed the Dreamweaver Home Purchase Process as a complete home buying solution.

We choose to only work with Veterans because we believe in giving back to those who serve. Let SoCal VA Homes be your trusted partner on the journey toward homeownership. Contact us at (949) 268-7742 today!