Government
Government Mortgages in San Bernardino, CA
San Bernardino homebuyers trust Custom Mortgage for their Government Mortgages needs. With deep knowledge of the local market, from Ontario to Redlands, we provide tailored solutions with rates as low as 6.25%.
Program Benefits
Competitive interest rates and flexible terms
Streamlined application process with fast approvals
Experienced loan officers dedicated to your success
Multiple financing options to fit your unique situation
Transparent pricing with no hidden fees
Nationwide lending with local expertise
Program Highlights
Max LTV
95%
Min Credit Score
620
Max DTI
45%
Loan Amount Range
$100K - $2M
Amortization Options
Eligible Properties
- Single Family
- 2-4 Units
- Condos
- Townhomes
- PUDs
Program Requirements
Income Documentation
- •W-2 forms or pay stubs from the last 2 years
- •Tax returns for the last 2 years (self-employed)
- •Proof of any additional income sources
Asset Verification
- •2 months of recent bank statements
- •Verification of down payment funds
- •Documentation of reserves (if required)
Insurance & Title
- •Homeowners insurance policy
- •Title insurance at closing
- •Flood insurance (if in flood zone)
Property Requirements
- •Minimum credit score varies by program
- •Clean credit history with no recent bankruptcies
- •Debt-to-income ratio within program guidelines
Government Mortgages in San Bernardino: The Complete Guide
What is Government?
Government offers flexible financing solutions for borrowers seeking general loans. This program provides competitive rates, flexible terms, and a streamlined approval process designed to help you achieve your real estate goals.
Benefits of This Program
- •Access to competitive interest rates based on current market conditions
- •Flexible underwriting guidelines to accommodate various financial situations
- •Quick approval process with dedicated loan officers
- •Multiple property types accepted including single-family homes and multi-unit properties
- •Options for purchase and refinance transactions
- •No prepayment penalties on most loan products
How to Qualify
- •Maintain a credit score meeting program minimums
- •Provide documentation of stable income and employment
- •Meet debt-to-income ratio requirements
- •Demonstrate ability to make down payment and cover closing costs
- •Property must meet program guidelines and pass appraisal
- •Complete required homebuyer education (if first-time buyer)
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 →Government Mortgages 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 Government Mortgages 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 Government Mortgages in San Bernardino
What are current Government Mortgages rates in San Bernardino, CA?
Government Mortgages 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 Government Mortgages closing take in San Bernardino?
CMRE typically closes Government Mortgages 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 Government Mortgages 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
Government is a flexible financing option designed to help borrowers purchase or refinance general properties. It offers competitive rates, flexible terms, and streamlined approval processes.
Down payment requirements vary by program but typically range from 3% to 20% of the purchase price. Some programs offer options with down payments as low as 3% for qualified borrowers.
Minimum credit score requirements vary by loan program. Most conventional loans require a 620+ credit score, while some government-backed programs may accept scores as low as 580.
Pre-approval can typically be obtained within 24-48 hours. Full loan approval and closing usually takes 30-45 days, though expedited closings may be available for qualified borrowers.
Yes, many of our programs can be used for investment properties. Requirements and rates may differ from owner-occupied properties. Contact us to discuss options for your investment goals.
Most of our loan programs do not have prepayment penalties, allowing you to pay off your loan early without additional fees. Specific terms will be outlined in your loan documents.
Government Mortgages by Location
Get local rates, loan limits, and market data for Government Mortgages in your area.
CA
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ID
IL
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
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."
