Mortgage Broker and Lender for San Bernardino, CA Home Buyers

Updated October 2026

First Lending Solutions is a veteran-owned mortgage broker based in Riverside, a short drive down the 215 from San Bernardino, serving homeowners since 2005. We help San Bernardino home buyers and homeowners with purchase and refinance loans. FHA loans available, along with VA and conventional options.

The city of San Bernardino offers some of the Inland Empire’s most accessible prices, with historic homes near downtown, foothill neighborhoods in the north end and newer tracts near the 210. Many buyers here are purchasing their first home.

Why San Bernardino borrowers work with First Lending Solutions

• Patient with first-time buyers. We explain each step, document and cost in plain language.
• We shop multiple wholesale lenders to look for a loan that fits your goals.
• Veteran-owned. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran, and we’re glad to help veterans and military families use the VA home loan benefit they earned.
• What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).

San Bernardino neighborhoods we serve

• North End and the Arrowhead Springs foothills
• Verdemont and Little Mountain
• Del Rosa and the east side near Highland
• Downtown and historic neighborhoods
• Nearby Highland, Loma Linda, Colton and Rialto

Older homes and appraisals

Much of San Bernardino’s housing was built decades ago. Older homes can be a great value, but FHA and VA loans have property standards covering things like roofs, electrical systems and peeling paint. We’ll explain what the appraiser looks for so there are fewer surprises before closing. Homes near the foothills may also need wildfire-related insurance quotes early.

Home loan options in San Bernardino

• Purchase loans for single-family homes, condos, townhomes and new construction.
• Refinance loans to change your loan type or term, or to tap into equity.
• FHA loans available, insured by the Federal Housing Administration and often used by first-time buyers. Eligibility and property requirements apply.
• VA loans for eligible veterans, service members and surviving spouses, made by private lenders and partially guaranteed by the VA.
• Conventional loans for borrowers who meet conventional guidelines, plus USDA loans in eligible rural areas.

Learn more about FHA loans, VA home loans and help for first-time home buyers.

How it works

1. Apply online or call. You can apply online any time, or call (951) 684-3307 during business hours.
2. Get a clear plan. We review your income, credit, savings and goals, compare loan options with you, and give you a document checklist.
3. Shop and close. When you find a home, we coordinate with your agent, escrow and the appraiser, and keep you updated through closing.

San Bernardino mortgage FAQs

Do you help buyers in the city of San Bernardino?

Yes. We help buyers and homeowners throughout San Bernardino, from the North End and Verdemont to Del Rosa and downtown.

Can I buy an older San Bernardino home with an FHA loan?

Often, yes. FHA loans have property standards, so older homes may need repairs before closing. We’ll explain what lenders look for before you make an offer.

Is homeowners insurance harder to get near the foothills?

Some foothill homes face wildfire-related insurance questions. Lenders require coverage, so we suggest getting quotes early in your search.

What is the 2026 FHA loan limit in San Bernardino?

For a one-unit home in 2026, the FHA loan limit in San Bernardino County is $690,000.

More questions? See our full mortgage FAQ.

Looking at other parts of the Inland Empire? See our San Bernardino County, Fontana, Inland Empire and Riverside pages.

Reviewed by Alan Vogan, NMLS #236124 · Last updated October 2026

Disclosures

1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. 1st Lending Solutions, Inc., NMLS #135932 (NMLS Consumer Access) | CA DRE #01482431. Alan Vogan, NMLS #236124. CA DRE Broker License #01373250. Licensed in CA, TN, FL (broker only), TX, AL and KY. View all licenses. Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting, program guidelines and property eligibility. Programs and terms are subject to change without notice and may not be available in all areas. VA loans require eligibility. First Lending Solutions is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, FHA/HUD or any government agency.