Citrus Heights, CA
Buy your first Citrus Heights home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Citrus Heights budgets. We walk you through every step.
Inside the Citrus Heights mortgage market.
Citrus Heights occupies a structurally affordable niche within the Sacramento metro, offering access to Sacramento employment, UC Davis Medical Center, and state-government jobs below the core Sacramento and Elk Grove markets; its built-out grid attracts buyers priced out of the Bay Area making the Central Valley jump.
That market shapes the loan. In Sacramento County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Citrus Heights purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Citrus Heights from the ground up — close to the Sunrise Mall redevelopment area. We finance homes across Sylvan Corners, Rusch Park, Sunrise/Fair Oaks corridor, and Old Auburn Road District — and every other corner of Citrus Heights. Looking for a mortgage broker near you in Citrus Heights? 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.
Citrus Heights market knowledge
Near the Sunrise Mall redevelopment area, across Sylvan Corners, Rusch Park, Sunrise/Fair Oaks corridor — we know Citrus Heights's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Citrus Heights buyers often start with FHA, first-time-buyer, conventional — 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 Citrus Heights file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Citrus Heights loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Citrus Heights, 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 →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Built around your Citrus Heights home, not a shelf product.
For Citrus Heights we lean on FHA, first-time-buyer, conventional — 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 Citrus Heights, we also help buyers in Roseville, Rancho Cordova, Rocklin. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Citrus Heights mortgage questions, answered.
What's the 2026 conforming loan limit in Citrus Heights?
In Sacramento 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 Citrus Heights?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Citrus Heights. We match you to the ones you qualify for.
Which Citrus Heights neighborhoods do you serve?
We serve buyers across Citrus Heights, including Sylvan Corners, Rusch Park, Sunrise/Fair Oaks corridor. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Citrus Heights?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Citrus Heights and the surrounding area.
Do you serve areas near Citrus Heights?
Yes — we also work with buyers in nearby Roseville, Rancho Cordova, Rocklin. Same process, local loan-limit details for each.
Let's finance your Citrus Heights home.
No call center — just Esther. We'll find the program that fits your Citrus Heights purchase and do the lender legwork.