Chico, CA
Buy your first Chico home with confidence.
Your Chico budget picks the program — USDA, conventional, FHA — and we handle the Chico lender legwork, whether you're eyeing The Avenues/Chico Vecino or beyond.
Inside the Chico mortgage market.
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.
Those Chico realities set the strategy. For Chico, 2026 conforming tops out at Butte County’s $832,750 baseline on one-unit Chico homes. Most Chico purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and USDA open for Chico buyers. FHFA sets these limits annually; run your scenario by us.
From The Avenues/Chico Vecino over to Nord Avenue corridor, Chico’s 88,000-plus residents sit within minutes of Yuba City and Redding. Bidwell Park to the Chico line — that’s ground we know well. Buyers come to us from The Avenues/Chico Vecino, Barber, Meriam Park, and Nord Avenue corridor, and from every other part of Chico. Looking for a mortgage broker near you in Chico? We serve Chico by phone and online, so Chico buyers get local-market help without driving anywhere.
How we work Chico loans.
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 USDA, conventional, FHA — we match Chico files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
We make lenders compete for Chico business instead of squeezing Chico buyers into a single bank's box.
Owner-handled
Your Chico file is handled by owner Esther Buede herself — in Chico or Yuba City, hers is the name buyers recognize from our reviews.
One name on every Chico loan.
In Chico, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Barber to all Chico — to closing since 2005. Not a call center — one expert on your Chico file. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Built around your Chico home, not a shelf product.
Demand around Bidwell Park keeps USDA activity steady in Chico. For Chico we lean on USDA, conventional, FHA — but whatever fits your Chico file, we shop it: conventional, jumbo, VA, non-QM, and FHA. Jump in at any stage: buying, refinancing, or just running numbers — apply online or call (949) 522-7310.
Buying your first Chico place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Chico.
Close to Chico, we also help buyers in Yuba City, Redding, Lincoln. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Chico. Equal Housing Opportunity.
Chico mortgage questions, answered.
What counts as a conforming loan amount in Chico?
For Chico buyers, conforming runs to $832,750 in 2026; beyond that a Chico purchase shops jumbo. FHFA figures — we'll verify yours.
What loans help first-time buyers in Chico?
For Chico first-timers the workhorses are conventional, FHA, USDA. We match Chico buyers to the down-payment and first-time programs their file qualifies for.
Do you cover all of Chico?
All of Chico — including The Avenues/Chico Vecino, Barber, Meriam Park, Nord Avenue corridor. The financing follows you across Chico: the loan matches your Chico file, never the ZIP.
Can you handle my Chico purchase remotely?
Absolutely. Chico is core coverage for a California broker like us (NMLS #2629064); Chico clients work directly with owner Esther Buede remotely.
What if I'm buying just outside Chico?
Yes — Yuba City, Redding, Lincoln are all in reach from Chico. Same process; each area's own loan-limit details applied.
Ready for your Chico address?
Straight answers on your Chico options, and a broker shopping the whole market for Chico buyers like you.