Inland Empire Mortgage Broker

The gap between the two limits is where Inland Empire deals are won

Riverside and San Bernardino counties carry the national baseline conforming limit but a much lower FHA limit, and the space between those two numbers is where a lot of local purchases sit. A home priced in that range can be financed conventionally but not with FHA, which means the down payment, the mortgage insurance, and the credit requirements all shift. Buyers are often told they do not qualify when what actually happened is that one program ran out of room and nobody checked the other.

A bank quotes what it sells. As an independent broker, Mike prices your file across a wide panel of lenders and both program tracks. The consultation and quote are free, and our mortgage FAQ answers the questions that come up most.

Buying here because the coast priced you out

A large share of Inland Empire buyers work in Orange or Los Angeles county and buy east because the same money goes much further. That creates a specific qualifying picture. Your income is documented at a coastal employer, your commute cost is real but invisible to underwriting, and you are often stretching to the top of what you qualify for. In that situation the rate is not a detail, it is the difference between the payment working and not working.

It also makes the program comparison worth doing carefully. Conventional with three percent down, conventional with mortgage insurance you can remove later, and FHA all land at different monthly numbers, and the cheapest one today is not always the cheapest one over five years.

Serving Riverside and San Bernardino counties

Mike works with borrowers in Riverside, Corona, Moreno Valley, Temecula, Murrieta, Menifee, Hemet, Jurupa Valley, Eastvale, San Bernardino, Fontana, Ontario, Rancho Cucamonga, Chino, Upland, Redlands, and Victorville. New construction is a big part of this market, and builder lender incentives are worth comparing against an outside quote rather than accepting on the spot. See the full loan program list, or call and describe the property.