Government
FHA Self-Employed in San Bernardino, CA
Secure your FHA Self-Employed in San Bernardino with a lender who understands the local landscape. We serve all of San Bernardino County, including Rancho Cucamonga and Ontario, offering fast approvals and personalized service.
Key Facts About FHA Self-Employed
CMRE FHA loans require a minimum down payment of 3.5%.
FHA loans from CMRE accept FICO scores as low as 580.
CMRE FHA mortgages include upfront and annual mortgage insurance premiums.
FHA loans at CMRE allow seller concessions up to 6% of the purchase price.
CMRE processes FHA loans for single-family homes, condos, and 2-4 unit properties.
CMRE is an approved government lender for FHA Self-Employed.
CMRE offers VOE-only and P&L options for FHA Self-Employed.
CMRE closes FHA Self-Employed in 25-35 days.
Program Benefits
Lower credit score requirements compared to conventional loans.
Competitive interest rates, starting at 6.25%, designed for self-employed borrowers.
Higher loan-to-value ratios, allowing for smaller down payments.
Simplified documentation process for income verification.
Access to homeownership for those who may not qualify for traditional mortgages.
CMRE's expert guidance throughout the entire loan process.
Program Highlights
Max LTV
96.5%
Min Credit Score
580
Max DTI
55%
Loan Amount Range
$50K - $1M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
Program Requirements
Income Documentation
- •Two years of self-employment history generally required.
- •Stable and consistent income demonstrated through tax returns and bank statements.
- •Business licenses and other documentation to verify business operations.
- •CMRE's expert team will assist in accurately calculating qualifying income.
Asset Verification
- •Sufficient funds for down payment, closing costs, and reserves.
- •Verification of asset accounts through bank statements.
- •Acceptable asset types include savings, checking, and investment accounts.
- •Gift funds may be allowed with proper documentation.
Insurance & Title
- •Homeowner's insurance policy required to protect the property.
- •Mortgage insurance required for loans with loan-to-value ratios above 80%.
- •Flood insurance may be required depending on the property's location.
- •CMRE can assist in identifying acceptable insurance providers.
Property Requirements
- •Minimum FICO score of 580 required.
- •Review of credit history to assess creditworthiness.
- •Demonstrated responsible credit management.
- •CMRE offers credit counseling services to help improve credit scores.
FHA Self-Employed in San Bernardino: The Complete Guide
What Is FHA Self-Employed?
FHA Self-Employed loans are a government-backed mortgage option designed to help self-employed individuals achieve homeownership. These loans offer more flexible qualification requirements compared to conventional loans, making them an attractive option for those with non-traditional income streams. They often feature lower down payment options and are more forgiving regarding credit history.
Eligibility for FHA Self-Employed
- •Eligibility depends on the specific agency requirements (FHA/VA/USDA).
- •FHA: primary residence, meets HUD property standards, 580+ FICO (500 with 10% down).
- •VA: eligible military service or surviving spouse status, no down payment.
- •USDA: eligible rural area, income limits apply.
- •CMRE evaluates your situation and recommends FHA Self-Employed or alternatives with lower total cost.
CMRE Specialty Programs for FHA Self-Employed
- •VOE-Only FHA: qualify with employer verification only — no pay stubs or tax returns.
- •P&L FHA: CPA-prepared profit & loss for self-employed qualification.
- •FHA Streamline: refinance with no appraisal, no income verification.
- •VA IRRRL: streamline refinance for veterans with minimal documentation.
- •CMRE processes government loans faster than industry average.
Apply for FHA Self-Employed with CMRE
- •Step 1: CMRE determines eligibility and provides rate estimate.
- •Step 2: Documentation varies by program (standard, VOE-only, or P&L).
- •Step 3: Pre-approval within 24 hours.
- •Step 4: Government appraisal and underwriting coordinated by CMRE.
- •Step 5: Closing in 25-35 days from application.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →FHA Self-Employed in San Bernardino, CA
San Bernardino County mortgage lending. FHA, VA, and affordable housing programs for the Inland Empire. Custom Mortgage & Real Estate specializes in providing high-fidelity FHA Self-Employed solutions tailored to the unique economic landscape of San Bernardino and the surrounding San Bernardino County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Bernardino metropolitan area.
Service Areas & Neighborhoods
Our San Bernardino Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About FHA Self-Employed in San Bernardino
What are current FHA Self-Employed rates in San Bernardino, CA?
FHA Self-Employed rates in San Bernardino depend on loan amount, credit profile, and property type. CMRE publishes updated San Bernardino rate ranges daily and provides locked quotes within 24 hours of application.
How long does FHA Self-Employed closing take in San Bernardino?
CMRE typically closes FHA Self-Employed loans in San Bernardino within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What are FHA/VA loan limits in San Bernardino County?
FHA and VA loan limits in San Bernardino County are set annually by HUD and the VA. CMRE's San Bernardino team can confirm your current county limit and help you maximize your purchasing power within CA guidelines.
Do I need to be a veteran for FHA Self-Employed in San Bernardino?
VA loans require veteran status or active military service. For non-veterans in San Bernardino, CMRE offers FHA and USDA government-backed programs with similarly competitive rates and low down payment requirements.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum FICO score required for an FHA Self-Employed loan at CMRE is 580.
FHA Self-Employed loans typically allow for a down payment as low as 3.5% of the purchase price.
Income verification for self-employed individuals typically involves providing tax returns, bank statements, and other documentation to demonstrate stable and consistent income. CMRE's expert team can help you navigate the income verification process.
The maximum loan amount you can borrow depends on factors such as your income, credit score, and debt-to-income ratio. Contact CMRE to discuss your specific situation and determine the loan amount you qualify for.
FHA: 580+ (500 with 10% down). VA: no official minimum (generally 580-620). CMRE evaluates each case.
Most government programs require owner-occupancy. VA allows multi-unit (up to 4) if you live in one.
FHA: $498,257-$1,209,750 by county. VA: no limit with full entitlement. Contact CMRE for your county.
Yes. CMRE's VOE-only and P&L specialty programs make government loans accessible to self-employed.
FHA Self-Employed by Location
Get local rates, loan limits, and market data for FHA Self-Employed in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
