Fontana Home Loans
Fontana is where the Inland Empire’s explosive growth meets genuine affordability — new master-planned communities, modern homes with builder incentives, and lakeside developments under $600K that would cost double on the coast. It’s a first-time-buyer and new-construction market where FHA, VA, and conventional financing all shine, and where builders often sweeten the deal with closing-cost credits. With San Bernardino County’s FHA limit at $690,000 and conforming at $832,750, the whole market is within low-down-payment reach. I bring 240+ wholesale lenders. NMLS #233747.
Fontana at a Glance
New Master-Planned
Modern homes, builder incentives, and lakeside developments
New Construction < $600K
A fraction of coastal prices for brand-new homes
Logistics Economy
Warehouse and distribution employment in the IE growth corridor
Builder Incentives
Closing-cost credits and rate buydowns are common on new construction
Lakeside & Golf
Sierra Lakes and newer North Fontana communities with amenities
$690,000 FHA / $832,750 Conforming
Standard-cost county; the whole market is within low-down-payment reach
San Bernardino County conforming limit: $832,750 • FHA: $690,000 • pulled live from the loan-limits module
Today’s Purchase Mortgage Rates
Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.
Conventional 30-Year Fixed
Conventional – Primary Residence
FHA 30-Year Fixed
FHA – Primary Residence
VA 30-Year Fixed
VA – Primary Residence
Rate Assumptions
30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
Monthly Payment Calculator
Calculate your estimated monthly mortgage payment including taxes and insurance
Fontana’s property tax runs roughly 1.1–1.3% under Prop 13; the calculator defaults to a CA-appropriate rate. Many new master-planned communities carry additional Mello-Roos or HOA assessments, which I build into your real all-in payment.
New construction and how to finance it
Fontana is one of the Inland Empire’s most active new-construction markets — master-planned communities with modern homes, amenities, and lakeside settings — and financing new construction well is its own skill. Builders frequently offer incentives (one Fontana buyer got $10K in closing costs), and I help you evaluate whether the builder’s preferred lender is actually the best deal (often it isn’t, once you factor rate). Conventional financing (3% down, or 15% down with a builder credit, PMI removable at 20% equity) often makes the most sense for new-build buyers with good credit, while FHA (3.5% down) opens the door for first-timers — one buyer bought into a lakeside community for under $600K and started building equity instead of paying rent. One budgeting note: many new master-planned communities carry Mello-Roos assessments on top of property tax, so I build the real all-in cost into your pre-approval.
Fontana Neighborhoods & Price Ranges
From the lakeside setting of Sierra Lakes to value entry in central Fontana, the city spans new construction and established value. Here are the areas buyers ask about most.
Sierra Lakes
$650K–$900K
A lakeside, golf-course community in North Fontana with newer homes and amenities — conventional and jumbo depending on size.
North Fontana / Coyote Canyon
$600K–$850K
Newer master-planned neighborhoods with modern homes and good schools — some carrying Mello-Roos, which I build into your payment.
New-Construction Communities
$550K–$700K
Active builder developments across the city — often with closing-cost credits; I check the builder’s lender against 240+ others.
Southridge
$500K–$650K
An established, value-priced part of Fontana — a strong FHA and first-time-buyer area.
Central / Downtown Fontana
$450K–$600K
The most accessible entry into the city — often reachable for less than local rent with FHA and assistance.
Fontana Investors
Rental / DSCR
Growth and logistics-driven rental demand make Fontana a solid investor market with IE cap rates above the coast.
FHA & down-payment assistance
For first-time buyers, FHA's 3.5% down and flexible credit, stacked with California down-payment assistance (CalHFA, GSFA Platinum), make Fontana’s new homes genuinely reachable. Since prices sit well within the $690,000 FHA limit, essentially the whole market qualifies. I’ll check which assistance programs fit your income and situation.
VA loans — zero down on new construction
Eligible veterans can buy Fontana new construction with VA financing — zero down, no PMI, no county loan limit with full entitlement. Buying a brand-new master-planned home with nothing down is one of the strongest uses of the benefit, and I coordinate with builders on VA-approved new construction and timelines.
Premium new homes & investment
For premium and upgraded builder homes above $832,750, jumbo financing covers the gap when conforming limits aren’t enough. And Fontana’s growth and rental demand make it a solid investor market — DSCR and conventional investment financing both work, with cap rates stronger than coastal SoCal.
Mortgage Programs Available in Fontana
Conventional
As little as 3% down (or 15% with a builder credit); PMI drops at 20% equity. The $832,750 conforming limit covers new construction across the city.
FHA
3.5% down, 580+ credit, flexible DTI. Prices sit well within the $690,000 FHA limit, so essentially the whole market qualifies, and it stacks with assistance.
VA
Zero down, no PMI, no county loan limit with full entitlement — buying a brand-new master-planned home with nothing down is a top use of the benefit.
Jumbo
For premium and upgraded builder homes above $832,750 — jumbo financing covers the gap when conforming limits aren’t enough.
DSCR / Investment
Qualify a rental on its own income, not your tax returns, with no cap on properties — IE cap rates run stronger than the coast.
Bank-Statement
For Fontana’s self-employed, 1099, and entrepreneur buyers — qualify on deposits rather than tax returns.
Fontana Mortgage FAQ
Is Fontana a good market for new construction?+
Should I use the builder’s preferred lender in Fontana?+
What are the 2026 loan limits in Fontana?+
What is Mello-Roos and does it apply in Fontana?+
Can I buy a Fontana home with an FHA loan and assistance?+
Can veterans buy new construction in Fontana with no money down?+
Is Fontana good for investors?+
Do you finance homes throughout Fontana and the Inland Empire?+
Emmett Clark — NMLS #233747
I shop 240+ wholesale lenders across the Inland Empire and give you the real all-in number — mortgage, property tax, insurance, and any Mello-Roos or HOA — before you write an offer. A new master-planned home, a first purchase with assistance, a VA new-construction buy, or an investment property: it starts with a quick conversation, and I’ll check the builder’s offer against the market.
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Buying in Fontana?
Tell me your situation — a new master-planned home, a first purchase with assistance, a VA new-construction buy, or an investment property — and I’ll tell you which loan fits, check the builder’s offer against 240+ lenders, and get you pre-approved. Quick response, no obligation.
Get Your Home Loan Quote
Connect with Emmett directly. Quick response, personalized guidance for your Fontana home purchase.
Why Contact Emmett?
- ✓ Local Fontana market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation