Alhambra, CA
Your Alhambra mortgage, done right.
We fit the loan to your Alhambra plans — jumbo, high-balance and more — walking Alhambra buyers through it, Midwick Tract to closing day.
Who can help me get a mortgage in Alhambra, CA?
Choice Home Mortgage arranges home loans for Alhambra buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Alhambra file from the first call to closing.
For Alhambra, FHFA's 2026 one-unit limit is $1,249,125 (Los Angeles County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Alhambra home loans, the honest version.
Alhambra is the commercial and residential hub of the western San Gabriel Valley, a region with one of the highest concentrations of Chinese and Taiwanese diaspora communities in the country, sustaining demand from multi-generational households; its location between downtown LA and Pasadena makes it a structurally liquid market.
The loan has to fit the Alhambra picture. High-cost Los Angeles County gives Alhambra purchases a $1,249,125 conforming limit — extra 2026 headroom on Alhambra homes. That means high-balance and jumbo tools come up constantly in Alhambra — the first job on any Alhambra file is placing it against $1,249,125. As a market, Alhambra runs solidly middle-of-market — consistent with Los Angeles County’s high-cost status. 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.
Alhambra holds 84,000-plus residents across pockets like Midwick Tract and Downtown Alhambra, with Monterey Park and San Gabriel right next door. Ask us about Alhambra blocks near Almansor Park — that’s the level we work at. Midwick Tract, Granada Park, Almansor Park, and Downtown Alhambra — we finance homes in each of them, and everywhere else Alhambra reaches. An Alhambra broker without the drive: we handle Alhambra loans by phone and online, and the Alhambra market knowledge travels with us.
The broker difference, Alhambra edition.
Alhambra market knowledge
From Midwick Tract, Granada Park, Almansor Park to Almansor Park, we track what Alhambra homes really cost and which loans carry them.
First-time & assistance
The Alhambra starting lineup is usually jumbo, high-balance; we add whichever down-payment help your Alhambra budget is eligible for.
Lenders shopped for you
Alhambra loans here go to whichever lender earns them — we shop the Alhambra file wide.
Owner-handled
In Alhambra you get the owner, Esther Buede, personally — no queue for Alhambra files, and the Alhambra attention shows in our reviews.
The owner works your file. Personally.
Your Alhambra loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Alhambra loan — from Granada Park across the Alhambra 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!”
The right Alhambra loan for your situation.
Alhambra’s pull — think Almansor Park — keeps jumbo work coming. Alhambra files most often land on jumbo, high-balance — and past those, every Alhambra option gets shopped: VA, non-QM, an FHA loan, conventional, and jumbo. Start when you’re ready: buying, refinancing, or just exploring — apply online or call (949) 522-7310.
The programs that come up most for Alhambra buyers: high-balance, jumbo.
First home in Alhambra? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Alhambra buyers too.
Not every Alhambra file fits a W-2 box — self-employed buyers can qualify on bank-statement income, and Alhambra investors can lean on no-income investor financing. Los Angeles County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. Looking beyond Alhambra? Our Los Angeles County page covers the county-wide picture, including how its limits differ.
Beyond Alhambra itself, Monterey Park, San Gabriel, Rosemead buyers work with us the same way. Every California city we cover →
A licensed California mortgage broker for Alhambra: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Alhambra home-loan questions, straight answers.
Where does the Alhambra conforming loan limit sit for 2026?
$1,249,125 is the 2026 conforming limit for a single-family home in Alhambra, based on FHFA's figure for Los Angeles County. High-cost status lifts the Los Angeles County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. For two units, the Los Angeles County conforming limit is $1,599,375.
How do first-time buyers usually finance an Alhambra home?
First-time buyers in Alhambra usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Los Angeles County is $1,249,125, per HUD. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Alhambra?
Yes, we cover all of Alhambra, including Midwick Tract, Granada Park, Almansor Park and Downtown Alhambra. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. A Midwick Tract address and a Downtown Alhambra address get the same lender shopping from us.
Do you actually know the Alhambra market?
Yes. We price Alhambra loans off the 2026 Los Angeles County figures, $1,249,125 conforming and $1,249,125 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Every loan, Midwick Tract to Downtown Alhambra, is handled by owner Esther Buede.
Do you cover the towns around Alhambra?
Yes, the towns around Alhambra are covered, including Monterey Park, San Gabriel and Rosemead. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as an Alhambra file.
Let's get you home in Alhambra.
Your Alhambra plans, the owner's full attention, and a market of lenders shopped on your Alhambra file's behalf.