Calexico, CA
Buy your first Calexico home with confidence.
We fit the loan to your Calexico plans — first-time-buyer, FHA, down-payment-assistance and more — walking Calexico buyers through it, Mount Signal to closing day.
What financing a Calexico home really takes.
Calexico is California’s primary southern land port of entry, sharing a continuous urban area with Mexicali in one of the most economically integrated cross-border corridors on the US-Mexico boundary; Imperial County’s baseline limit — well below coastal California norms — makes it one of the most FHA-accessible markets in the state, serving a largely first-generation buyer population tied to agriculture and cross-border trade. (Imperial County is baseline; not all CA is high-cost.)
That Calexico market shapes the loan. In Imperial County, a Calexico one-unit purchase conforms up to 2026’s $832,750 baseline for Calexico files. Most Calexico purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Calexico buyers. FHFA sets these limits annually; run your scenario by us.
Roughly 39,000-plus people call Calexico home, spread from Mount Signal to City Center, with El Centro and Yuma minutes away. Ask us about Calexico blocks near the Calexico International Port of Entry — that’s the level we work at. We finance homes across Mount Signal, Bonds Corner, Calexico East, and City Center — and every other corner of Calexico. Need a broker near you in Calexico? Everything runs by phone and online, so Calexico expertise comes straight to you.
How we work Calexico loans.
Calexico market knowledge
From Mount Signal, Bonds Corner, Calexico East to the Calexico International Port of Entry, we track what Calexico homes really cost and which loans carry them.
First-time & assistance
Calexico buyers often start with first-time-buyer, FHA, down-payment-assistance — we match Calexico files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
We make lenders compete for Calexico business instead of squeezing Calexico buyers into a single bank's box.
Owner-handled
Esther Buede — the owner — works your Calexico loan start to finish; our Google reviews show Calexico buyers why that matters.
The owner works your file. Personally.
Owner Esther Buede (individual NMLS #2003644) personally runs each Calexico file — Bonds Corner or any Calexico address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
The right Calexico loan for your situation.
Near the Calexico International Port of Entry, first-time-buyer files are a Calexico staple for us. For Calexico we lean on first-time-buyer, FHA, down-payment-assistance — but whatever fits your Calexico file, we shop it: jumbo, VA, non-QM, FHA, and conventional. Whenever you’re ready — buying, refinancing, or still weighing options — begin online or call (949) 522-7310.
First home in Calexico? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Calexico buyers too.
Beyond Calexico itself, El Centro, Yuma, Coachella buyers work with us the same way. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Calexico. Equal Housing Opportunity.
What Calexico buyers ask us first.
How high can a conforming loan go in Calexico?
Calexico follows the $832,750 national baseline for 2026; a bigger Calexico loan goes jumbo. FHFA-published — we'll check your exact numbers.
How do first-time buyers usually finance a Calexico home?
Most first-time Calexico buyers start with FHA, down-payment-assistance, first-time-buyer — and we check which assistance fits your Calexico purchase before you commit.
What parts of Calexico do you work in?
We work Calexico citywide — Mount Signal, Bonds Corner, Calexico East, City Center included. Where in Calexico you buy doesn't change how hard we shop.
Do you actually know the Calexico market?
Calexico? Definitely. California-licensed (NMLS #2629064) with Calexico squarely covered — your Calexico loan runs remotely and owner-handled.
Do you serve areas near Calexico?
El Centro, Yuma, Coachella — all covered alongside Calexico, each with its own limit details worked in.
Let's get you home in Calexico.
No call center — just Esther. We'll find what fits your Calexico purchase and do the Calexico lender legwork.