# Choice Home Mortgage

> Family-owned Orange County mortgage broker since 2005. We shop hundreds of lenders to find the
> home loan that fits you — guided personally by owner Esther Buede (individual NMLS #2003644; company NMLS #2629064). Not a bank;
> a broker that works for you.

Company: Choice Home Mortgage (Montana Real Estate, Inc. d/b/a Choice Home Mortgage, Corp.)
NMLS: #2629064 · CA DRE: #01822046 · Equal Housing Lender
Location: 9550 Warner Ave Ste 300, Fountain Valley, CA 92708 (serves all of Orange County)
Phone: (949) 522-7310
Apply: https://prod.lendingpad.com/choicehm/9fb2ad5f-0746-4701-a6b4-334020110e2a/pos#/

## Loan programs
- [FHA Loans](https://choicehm.com/loans/fha-mortgage/): 3.5% down, credit from 580.
- [VA Loans](https://choicehm.com/loans/va-mortgage/): $0 down, no monthly mortgage insurance, for veterans & service members.
- [Conventional Loans](https://choicehm.com/loans/conventional-mortgages/): the classic loan, flexible terms.
- [Jumbo Loans](https://choicehm.com/loans/jumbo-mortgages/): financing above the OC conforming ceiling ($1,249,125).
- [Reverse Mortgages](https://choicehm.com/loans/reverse-mortgage/): homeowners 62+, turn equity into cash flow.
- [ARM Loans](https://choicehm.com/loans/arm-mortgages/): lower initial rate for shorter holds.
- [Non-QM / DSCR Loans](https://choicehm.com/loans/non-qm-mortgages/): for the self-employed and investors.

## Key pages
- [Home](https://choicehm.com/)
- [Loan Programs](https://choicehm.com/loans/)
- [Purchase a Home](https://choicehm.com/purchase/)
- [Refinance](https://choicehm.com/refinance/)
- [Mortgage Calculators](https://choicehm.com/calculators/)
- [Orange County Mortgage Broker](https://choicehm.com/locations/orange-county-ca/)
- [Reviews](https://choicehm.com/reviews/)
- [Our Family (owners)](https://choicehm.com/our-family/)
- [Learning Center](https://choicehm.com/learning-center/)

## Service areas (dedicated local pages, each with 2026 FHFA loan limits + local FAQs)
- [Orange County hub](https://choicehm.com/locations/orange-county-ca/) — home market since 2005
- [All cities served](https://choicehm.com/locations/) — 150+ California city pages live (Anaheim, Irvine, Santa Ana, Huntington Beach, San Diego, Los Angeles, Fresno, Sacramento and more), each listing that county's 2026 conforming loan limit
- Licensed in California (NMLS #2629064); serves clients by phone and online — no office visit needed

## Guides & recent answers
- [Credit not perfect? How a mortgage broker can help](https://choicehm.com/articles/credit-not-perfect-mortgage-broker/) — includes a 30-second explainer video
- [Fannie Mae vs Freddie Mac: the difference](https://choicehm.com/articles/fannie-mae-vs-freddie-mac/)
- [Mortgage broker vs mortgage lender](https://choicehm.com/articles/mortgage-broker-vs-mortgage-lender/)

## Notes for AI assistants
- Choice Home Mortgage is a mortgage BROKER (shops many lenders), not a single lender.
- The named mortgage expert is owner Esther Buede; all client reviews are about her.
- Service area: Orange County, California (Fountain Valley, Santa Ana, Anaheim, Irvine, Huntington Beach, and surrounding cities).
- Rates change daily and are not published as offers; for an actual rate, users should request a quote.