Chico, CA
Buy your first Chico home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Chico budgets. We walk you through every step.
How Chico buyers get to the closing table.
Chico State generates predictable rental-to-ownership demand, and Chico is the commercial hub for Butte and neighboring counties, a regional service economy that insulates the housing market from single-industry swings; post-2018-fire inventory remains constrained.
That market shapes the loan. In Butte County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Chico purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Chico from the ground up — close to Bidwell Park. We finance homes across The Avenues/Chico Vecino, Barber, Meriam Park, and Nord Avenue corridor — and every other corner of Chico. Looking for a mortgage broker near you in Chico? 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.
Chico market knowledge
Near Bidwell Park, across The Avenues/Chico Vecino, Barber, Meriam Park — we know Chico's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Chico buyers often start with conventional, FHA, USDA — 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 Chico file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Chico loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Chico, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Chico financing that fits the home and the borrower.
For Chico we lean on conventional, FHA, USDA — 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 Chico, we also help buyers in Yuba City, Redding, Lincoln. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Chico mortgage questions, answered.
What's the 2026 conforming loan limit in Chico?
In Butte 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 Chico?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Chico. We match you to the ones you qualify for.
Which Chico neighborhoods do you serve?
We serve buyers across Chico, including The Avenues/Chico Vecino, Barber, Meriam Park. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Chico?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Chico and the surrounding area.
Do you serve areas near Chico?
Yes — we also work with buyers in nearby Yuba City, Redding, Lincoln. Same process, local loan-limit details for each.
Let's finance your Chico home.
Straight answers on your Chico options, and a broker who shops the whole market so you don't have to.