Antioch, CA
Your Antioch mortgage, done right.
Real Antioch prices, real programs — FHA, first-time-buyer, high-balance — matched to what your Antioch file qualifies for, in Lone Tree Valley and citywide.
Who can help me get a mortgage in Antioch, CA?
Choice Home Mortgage arranges home loans for Antioch 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 Antioch file from the first call to closing.
The 2026 conforming limit for a one-unit Antioch home is $1,249,125 (Contra Costa County, per FHFA). We start every Antioch file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing an Antioch home really takes.
Antioch is one of the most affordable BART-connected cities in the Bay Area, offering Contra Costa County access at a fraction of inner Bay Area prices; the Antioch BART station unlocks SF employment access without Bay Area pricing, with transit-oriented housing development in the pipeline.
That Antioch market shapes the loan. Contra Costa County counts as high-cost, so Antioch buyers get a $1,249,125 one-unit ceiling on 2026 Antioch purchases. Plenty of Antioch purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Antioch work for us. Antioch itself prices solidly middle-of-market, which is part of why Contra Costa County carries a high-cost designation. 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.
Some 107,000-plus people live in Antioch — Lone Tree Valley, Black Diamond Estates, and between — a short drive from Pittsburg or Oakley. Our Antioch knowledge is street-level — the area around the Black Diamond Mines Regional Preserve included. Whether the address is in Lone Tree Valley, Downtown Antioch, Deer Valley, and Black Diamond Estates or another Antioch pocket entirely, the financing follows. Searching “mortgage broker near me” from Antioch? We cover Antioch by phone and online — Antioch-level market help, no office visit.
What you get with a local broker.
Antioch market knowledge
Near the Black Diamond Mines Regional Preserve, across Lone Tree Valley, Downtown Antioch, Deer Valley — we know Antioch's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Antioch buyers often start with FHA, first-time-buyer, high-balance — we match Antioch files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
Your Antioch file gets shopped across many lenders — a broker working Antioch, not one bank's sales desk.
Owner-handled
Owner Esther Buede guides your Antioch loan personally — the named expert Antioch clients would find praised across our Google reviews.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Antioch file — Downtown Antioch or any Antioch address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Antioch loan for your situation.
Near the Black Diamond Mines Regional Preserve, FHA files are an Antioch staple for us. For Antioch we lean on FHA, first-time-buyer, high-balance — but whatever fits your Antioch file, we shop it: non-QM, FHA loans, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
Antioch files here lean on high-balance, FHA, first-time-buyer, down-payment-assistance.
Antioch first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Self-employed in Antioch? We also work with self-employed borrowers — bank-statement income included, plus no-income investor financing for Antioch investors. Contra Costa County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. Antioch is one of the Contra Costa County communities we serve — see the county overview.
Beyond Antioch itself, Pittsburg, Oakley, Brentwood buyers work with us the same way. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Antioch. Equal Housing Opportunity.
Antioch mortgage questions, answered.
How high can a conforming loan go in Antioch?
The 2026 conforming loan limit for a one-unit home in Antioch is $1,249,125, the figure FHFA set for Contra Costa County. Contra Costa County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
How do first-time buyers usually finance an Antioch home?
First-time buyers in Antioch 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 Contra Costa County is $1,249,125, per HUD. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Antioch?
Yes, we cover all of Antioch, including Lone Tree Valley, Downtown Antioch, Deer Valley and Black Diamond Estates. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Whether the home is in Lone Tree Valley or Black Diamond Estates, owner Esther Buede handles the loan by phone and online.
Can you handle my Antioch purchase remotely?
Yes. Owner Esther Buede handles Antioch purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for Contra Costa County is $1,249,125.
Do you serve areas near Antioch?
Yes. Besides Antioch, we also arrange loans in Pittsburg, Oakley and Brentwood. 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 Antioch file.
Your Antioch keys are the goal.
Talk to the owner directly. We'll map the right loan for your Antioch home and put lenders in competition for Antioch business.