Calexico, CA
Buy your first Calexico home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Calexico budgets. We walk you through every step.
How Calexico buyers get to the closing table.
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 market shapes the loan. In Imperial County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Calexico purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and down-payment-assistance options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Calexico from the ground up — close to the Calexico International Port of Entry. We finance homes across Mount Signal, Bonds Corner, Calexico East, and City Center — and every other corner of Calexico. Looking for a mortgage broker near you in Calexico? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Calexico market knowledge
Near the Calexico International Port of Entry, across Mount Signal, Bonds Corner, Calexico East — we know Calexico's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Calexico buyers often start with FHA, down-payment-assistance, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Calexico file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Calexico loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Calexico, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Calexico financing that fits the home and the borrower.
For Calexico we lean on FHA, down-payment-assistance, first-time-buyer — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Calexico, we also help buyers in El Centro, Yuma, Coachella. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Calexico mortgage questions, answered.
What's the 2026 conforming loan limit in Calexico?
In Imperial County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Calexico?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Calexico. We match you to the ones you qualify for.
Which Calexico neighborhoods do you serve?
We serve buyers across Calexico, including Mount Signal, Bonds Corner, Calexico East. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Calexico?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Calexico and the surrounding area.
Do you serve areas near Calexico?
Yes — we also work with buyers in nearby El Centro, Yuma, Coachella. Same process, local loan-limit details for each.
Let's finance your Calexico home.
Straight answers on your Calexico options, and a broker who shops the whole market so you don't have to.