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.
Is there a mortgage broker serving Calexico, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Calexico is in our service area. Owner Esther Buede handles each Calexico loan herself and compares many lenders for it, so a Calexico buyer is not limited to one bank's programs.
For Calexico, FHFA's 2026 one-unit limit is $832,750 (Imperial County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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.
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. As a market, Calexico runs entry-level. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 39,000-plus people call Calexico home, spread from Mount Signal to City Center, with El Centro and Imperial 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. Choice Home Mortgage has been family-run 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 loans, and conventional. Whenever you’re ready — buying, refinancing, or still weighing options — begin online or call (949) 522-7310.
Calexico files here lean on FHA, down-payment-assistance, first-time-buyer.
First home in Calexico? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Calexico buyers too.
Calexico 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s. Imperial County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Beyond Calexico itself, El Centro, Imperial, Brawley 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?
A conforming loan on a one-unit Calexico home can go up to $832,750 in 2026, which is FHFA's limit for Imperial County. Imperial County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
How do first-time buyers usually finance a Calexico home?
First-time buyers in Calexico 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. HUD's 2026 FHA limit for one unit in Imperial County is $541,287. Some conventional programs accept 3% down from first-time buyers.
What parts of Calexico do you work in?
Every part of Calexico, including Mount Signal, Bonds Corner, Calexico East and City Center. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Mount Signal and City Center included.
Do you actually know the Calexico market?
Yes. We price Calexico loans off the 2026 Imperial County figures, $832,750 conforming and $541,287 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. Calexico buyers work with owner Esther Buede herself.
Do you serve areas near Calexico?
Yes. Besides Calexico, we also arrange loans in El Centro, Imperial and Brawley. 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 a Calexico file.
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.