Mortgage Broker Serving San Bernardino County, CA

Updated October 2026

First Lending Solutions is a veteran-owned mortgage broker based in Riverside, CA, serving homeowners since 2005. We help buyers and homeowners across San Bernardino County, from Ontario and Rancho Cucamonga in the west valley to Fontana, Rialto, San Bernardino, Redlands and Yucaipa, with purchase and refinance loans. FHA loans available, along with VA, conventional and USDA options.

San Bernardino County is the largest county in the lower 48 states by area, and its housing is just as varied: newer master-planned communities in Ontario Ranch, established neighborhoods in Upland and Redlands, and mountain and high-desert homes farther out. We help you understand what each kind of property means for your loan before you write an offer.

Why San Bernardino County borrowers work with First Lending Solutions

• Next door in Riverside. Our office is a short drive from the west valley and the 10 and 215 corridors, and most of the process can happen by phone, email and our secure online application.
• 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).

Valley, mountain and desert properties

Most of our San Bernardino County clients buy in the valley, between the 10, the 210 and the 15. Some look farther out, in the Big Bear and Lake Arrowhead mountain communities or in the Victor Valley. Mountain cabins can raise questions about second-home use, wildfire insurance and access roads, and high-desert homes on larger lots may have wells or septic systems that lenders review. We talk through these details early so the loan is set up for the property you want.

Ontario Ranch and new construction

The south side of Ontario and nearby Chino and Eastvale have added thousands of new homes in recent years. Builders often offer incentives tied to their preferred lender. You’re free to compare, and we can help you look at a builder’s offer side by side with an outside loan, including closing costs, HOA dues and any Mello-Roos special taxes.

San Bernardino County cities we serve

Ontario, Rancho Cucamonga, Fontana, San Bernardino, Upland, Montclair, Chino, Chino Hills, Rialto, Colton, Grand Terrace, Loma Linda, Redlands, Highland and Yucaipa.

Home loan options in San Bernardino County

• 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.

2026 loan limits in Riverside and San Bernardino counties

Riverside and San Bernardino counties share the same limits because they are in the same metro area (Riverside-San Bernardino-Ontario). For a one-unit home in 2026:

• FHA loan limit: $690,000 (two-unit $883,300, three-unit $1,067,750, four-unit $1,326,950). Source: HUD FHA Mortgage Limits.
• Conforming (conventional) loan limit: $832,750, the 2026 national baseline. Source: FHFA Conforming Loan Limits.

Loan amounts above the conforming limit are generally financed as jumbo loans. Limits change each year; we confirm the current figure for your county when we review your options.

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 County mortgage FAQs

Do you help buyers in San Bernardino County?

Yes. We help home buyers and homeowners throughout San Bernardino County, including Ontario, Rancho Cucamonga, Upland, Chino, Fontana, Rialto, Colton, San Bernardino, Highland, Redlands and Yucaipa. Most of the process can be handled by phone, email and our secure online application.

What are the 2026 loan limits in San Bernardino County?

For a one-unit home in 2026, the FHA loan limit in San Bernardino County is $690,000 and the conforming loan limit is $832,750. Limits are set by HUD and FHFA and change each year.

Can you finance a mountain cabin in Big Bear or Lake Arrowhead?

We can review it with you. Lenders look at how you’ll use the home (primary, second home or rental), property condition, access and insurance, including wildfire coverage. Call us early so we can talk through the property.

Do you offer VA loans in San Bernardino County?

Yes. We help eligible veterans, service members and surviving spouses with VA purchase and refinance loans. Eligibility depends on your service history and VA rules.

More questions? See our full mortgage FAQ.

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