Chino Hills, CA
Chino Hills home loans, built for Chino Hills's market.
From jumbo to move-up money, Chino Hills loans get built around real Chino Hills price tags, Butterfield Ranch included.
Who can help me get a mortgage in Chino Hills, CA?
Choice Home Mortgage arranges home loans for Chino Hills buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Chino Hills file from the first call to closing.
The 2026 conforming limit for a one-unit Chino Hills home is $832,750 (San Bernardino County, per FHFA). We start every Chino Hills file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Chino Hills mortgage market.
Chino Hills occupies a distinct Inland Empire position — hillside terrain, a well-regarded school district, and open-space buffers have kept density low and prices at a premium to the county median; with medians above $1M, many purchases exceed the baseline conforming cap and require jumbo despite the non-high-cost county.
Those Chino Hills realities set the strategy. For Chino Hills, 2026 conforming tops out at San Bernardino County’s $832,750 baseline on one-unit Chino Hills homes. Most Chino Hills purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and portfolio open for Chino Hills buyers. Chino Hills’s price tier is above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Roughly 76,000-plus people call Chino Hills home, spread from Butterfield Ranch to Sleepy Hollow, with Chino and Pomona minutes away. From Carbon Canyon Regional Park and its redwood grove outward, we treat Chino Hills as home turf. Whether the address is in Butterfield Ranch, Carbon Canyon, Rolling Ridge, and Sleepy Hollow or another Chino Hills pocket entirely, the financing follows. Searching “mortgage broker near me” from Chino Hills? We cover Chino Hills by phone and online — Chino Hills-level market help, no office visit.
How we work Chino Hills loans.
Chino Hills market knowledge
From Butterfield Ranch, Carbon Canyon, Rolling Ridge to the blocks near Carbon Canyon Regional Park and its redwood grove — Chino Hills pricing has a logic, and we work it daily.
Move-up & jumbo ready
Price tags in Chino Hills sit above the national norm, so we build conventional, portfolio, jumbo strategies sized to Chino Hills.
Lenders shopped for you
Chino Hills loans here go to whichever lender earns them — we shop the Chino Hills file wide.
Owner-handled
Your Chino Hills file is handled by owner Esther Buede herself — in Chino Hills or Chino, hers is the name buyers recognize from our reviews.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Chino Hills file — Carbon Canyon or any Chino Hills address — first call to keys. Choice Home Mortgage has been family-run since 2005. 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!”
The right Chino Hills loan for your situation.
Around Carbon Canyon Regional Park and its redwood grove, conventional remains the workhorse of Chino Hills lending. The Chino Hills playbook usually starts with conventional, portfolio, jumbo — then we shop whatever your Chino Hills file calls for: FHA financing, conventional, jumbo, VA, and non-QM. Any starting point works: buying, refinancing, or simply exploring — apply online or call (949) 522-7310.
The programs that come up most for Chino Hills buyers: jumbo, conventional, portfolio.
First home in Chino Hills? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Chino Hills buyers too.
Not every Chino Hills file fits a W-2 box — self-employed buyers can qualify on bank-statement income. San Bernardino County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. Chino Hills sits in San Bernardino County — see how we work across San Bernardino County as a whole.
And around Chino Hills: Chino, Pomona, Diamond Bar are all in reach. See all California cities we serve →
Serving Chino Hills as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Chino Hills buyers ask us first.
How high can a conforming loan go in Chino Hills?
$832,750 is the 2026 conforming limit for a single-family home in Chino Hills, based on FHFA's figure 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.
How do Chino Hills buyers finance above the conforming limit?
Chino Hills buyers who need more than $832,750 (the 2026 San Bernardino County limit) use a jumbo loan, or put more down so the loan stays under it. A larger down payment can bring the loan back under $832,750 so it stays conforming. We shop the loan with many lenders and show you the offers side by side.
Which Chino Hills neighborhoods do you serve?
All of them, from Butterfield Ranch to Sleepy Hollow; the rest of Chino Hills is covered too. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Butterfield Ranch to Sleepy Hollow go through owner Esther Buede, by phone and online.
Can you handle my Chino Hills purchase remotely?
Yes. Owner Esther Buede handles Chino Hills purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for San Bernardino County is $832,750.
Do you cover the towns around Chino Hills?
Yes, the towns around Chino Hills are covered, including Chino, Pomona and Diamond Bar. 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 Hills file.
Ready for your Chino Hills address?
Straight answers on your Chino Hills options, and a broker shopping the whole market for Chino Hills buyers like you.