Chino, CA
Your Chino mortgage, done right.
FHA, move-up, conventional programs sized to Chino budgets — matched to your Chino file, from The Preserve at Chino to every corner of Chino.
Where do Chino buyers find a mortgage broker?
A Chino buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Chino loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Chino home is $832,750 (San Bernardino County, per FHFA). We start every Chino file by placing the price against that number, then handle the application, documents and updates by phone and online.
Chino home loans, the honest version.
Chino occupies the western edge of the Inland Empire at the SR-60/SR-71 crossroads, giving freeway access to both LA and Orange County job markets at a price structurally below either county’s limit — an affordability wedge driven by geography; master-planned communities like The Preserve attract families seeking newer construction at IE prices.
Financing follows that Chino math. Chino follows San Bernardino County’s national-baseline limit for 2026: $832,750 on a one-unit Chino home. Since typical Chino prices stay under $832,750, a Chino buyer keeps conventional, FHA, and move-up all in play. Chino itself prices solidly middle-of-market. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From The Preserve at Chino over to Chino Avenue corridor, Chino’s 80,000-plus residents sit within minutes of Chino Hills and Pomona. Our Chino knowledge is street-level — the area around the Planes of Fame Air Museum included. Buyers come to us from The Preserve at Chino, College Park, Cypress Trails, and Chino Avenue corridor, and from every other part of Chino. Searching “mortgage broker near me” from Chino? We cover Chino by phone and online — Chino-level market help, no office visit.
How we work Chino loans.
Chino market knowledge
Near the Planes of Fame Air Museum, across The Preserve at Chino, College Park, Cypress Trails — we know Chino's neighborhoods, prices, and the programs that fit them.
First-time & assistance
FHA, move-up, conventional carry most Chino purchases — and we check every assistance program a Chino file qualifies for.
Lenders shopped for you
As a broker we put many lenders in competition for your Chino file — not one bank's Chino shelf.
Owner-handled
Esther Buede — the owner — works your Chino loan start to finish; our Google reviews show Chino buyers why that matters.
The owner works your file. Personally.
Owner Esther Buede (individual NMLS #2003644) personally runs each Chino file — College Park or any Chino address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Built around your Chino home, not a shelf product.
Near the Planes of Fame Air Museum, FHA files are a Chino staple for us. For Chino we lean on FHA, move-up, conventional — but whatever fits your Chino file, we shop it: conventional, jumbo, VA, non-QM, and FHA. Whenever you’re ready — buying, exploring a refinance, or still weighing options — begin online or call (949) 522-7310.
The programs that come up most for Chino buyers: conventional, FHA, move-up.
Short on the down payment for a Chino home? Here’s what assistance is genuinely available — statewide CalHFA help covers Chino.
Chino 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s. See San Bernardino County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. We serve the wider county too: mortgage help across San Bernardino County.
And around Chino: Chino Hills, Pomona, Montclair are all in reach. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Chino. Equal Housing Opportunity.
Real questions from Chino buyers.
Where does the Chino conforming loan limit sit for 2026?
A conforming loan on a one-unit Chino home can go up to $832,750 in 2026, which is FHFA's limit for San Bernardino County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in San Bernardino County can borrow up to $1,066,250 and stay conforming.
What loans help first-time buyers in Chino?
First-time buyers in Chino most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in San Bernardino County can go to $690,000 in 2026 (HUD). FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Chino neighborhoods do you serve?
All of them, from The Preserve at Chino to Chino Avenue corridor; the rest of Chino is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Owner Esther Buede handles every file by phone and online, The Preserve at Chino and Chino Avenue corridor included.
Is Choice Home Mortgage local to Chino?
Yes. Choice Home Mortgage works out of Fountain Valley, roughly 26 miles from Chino. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Every loan, The Preserve at Chino to Chino Avenue corridor, is handled by owner Esther Buede.
Do you cover the towns around Chino?
Yes, the towns around Chino are covered, including Chino Hills, Pomona and Montclair. 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 Chino file.
Let's finance your Chino home.
Talk to the owner directly. We'll map the right loan for your Chino home and put lenders in competition for Chino business.