Alameda, CA
Alameda home loans, built for Alameda's market.
The right Alameda loan respects Alameda prices — high-balance, jumbo, refinance — structured for Gold Coast and every Alameda block from day one.
Is there a mortgage broker serving Alameda, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Alameda is in our service area. Owner Esther Buede handles each Alameda loan herself and compares many lenders for it, so an Alameda buyer is not limited to one bank's programs.
For 2026, a one-unit Alameda home can carry a conforming loan of up to $1,249,125, the Alameda County limit FHFA sets, and we check where your Alameda price falls before you write an offer. The whole process runs by phone and online.
Alameda home loans, the honest version.
Alameda is a physically constrained island city with no room for outward growth, preserved Victorian and Craftsman stock, and two ferry terminals giving 20-30 minute SF commutes — structural scarcity factors that sustain prices well above the county average and favor equity-rich move-up buyers.
The loan has to fit the Alameda picture. High-cost Alameda County gives Alameda purchases a $1,249,125 conforming limit — extra 2026 headroom on Alameda homes. So many Alameda buyers use high-balance or jumbo financing — knowing where an Alameda purchase lands against that $1,249,125 line is half the work. Alameda’s price tier is above the national norm, the same reality behind Alameda County’s high-cost limit. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Gold Coast over to Bay Farm Island, Alameda’s 76,000-plus residents sit within minutes of Oakland and San Leandro. From the USS Hornet museum outward, we treat Alameda as home turf. Gold Coast, West End, Fernside, and Bay Farm Island — we finance homes in each of them, and everywhere else Alameda reaches. Searching “mortgage broker near me” from Alameda? We cover Alameda by phone and online — Alameda-level market help, no office visit.
The broker difference, Alameda edition.
Alameda market knowledge
Near the USS Hornet museum, across Gold Coast, West End, Fernside — we know how Alameda prices and programs actually work.
High-balance & jumbo ready
Jumbo, conventional, high-balance — that's the Alameda toolkit, because Alameda prices above the national norm and the financing keeps up.
Lenders shopped for you
Many lenders bid on each Alameda file we bring them — Alameda buyers never shop one shelf.
Owner-handled
Your Alameda file is handled by owner Esther Buede herself — in Alameda or Oakland, hers is the name buyers recognize from our reviews.
One expert, application to keys.
Your Alameda loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Alameda loan — from West End across the Alameda map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Matched to your Alameda purchase, not a template.
Alameda’s pull — think the USS Hornet museum — keeps jumbo work coming. Alameda files most often land on jumbo, conventional, high-balance — and past those, every Alameda option gets shopped: VA, non-QM, FHA financing, conventional, and jumbo. Jump in at any stage: buying, refinancing your mortgage, or just running numbers — begin online or call (949) 522-7310.
The programs that come up most for Alameda buyers: high-balance, jumbo, conventional.
First home in Alameda? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Alameda buyers too.
Not every Alameda file fits a W-2 box — self-employed buyers can qualify on 1099 income, and Alameda investors can lean on DSCR investor loans. See Alameda County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. Alameda sits in Alameda County — see how we work across Alameda County as a whole.
Close to Alameda, we also help buyers in Oakland, San Leandro, Berkeley. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Alameda. Equal Housing Opportunity.
Alameda mortgage questions, answered.
Where does the Alameda conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Alameda is $1,249,125, the figure FHFA set for Alameda County. Because Alameda County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming. For two units, the Alameda County conforming limit is $1,599,375.
Do Alameda buyers usually need jumbo financing?
An Alameda buyer needs a jumbo loan only when the amount borrowed tops $1,249,125, the 2026 Alameda County limit; at or below it, the loan stays conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Alameda County. We shop the loan with many lenders and show you the offers side by side.
Which Alameda neighborhoods do you serve?
All of them, from Gold Coast to Bay Farm Island; the rest of Alameda is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Loans from Gold Coast to Bay Farm Island go through owner Esther Buede, by phone and online.
Is Choice Home Mortgage local to Alameda?
Not in person: Alameda is about 370 miles from our Fountain Valley office, but it is inside our California service area. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede takes Gold Coast and Bay Farm Island files by phone and online, application to closing.
What if I'm buying just outside Alameda?
Buying just outside Alameda changes nothing on our side; we also arrange loans in Oakland, San Leandro and Berkeley. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as an Alameda file.
Let's finance your Alameda home.
No call center — just Esther. We'll find what fits your Alameda purchase and do the Alameda lender legwork.