Citrus Heights, CA
Buy your first Citrus Heights home with confidence.
First-time-buyer, conventional, FHA programs sized to Citrus Heights budgets — matched to your Citrus Heights file, from Sylvan Corners to every corner of Citrus Heights.
Can a mortgage broker help me buy in Citrus Heights, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Citrus Heights, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Citrus Heights file best. Esther Buede, the owner, is the person you talk to.
The 2026 conforming limit for a one-unit Citrus Heights home is $832,750 (Sacramento County, per FHFA). We start every Citrus Heights file by placing the price against that number, then handle the application, documents and updates by phone and online.
How Citrus Heights buyers reach closing in Citrus Heights.
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 Citrus Heights market shapes the loan. The 2026 conforming number for Citrus Heights buyers in Sacramento County is $832,750 — the baseline every Citrus Heights file starts from. Most Citrus Heights purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Citrus Heights buyers. Citrus Heights’s price tier is entry-level. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
From Sylvan Corners over to Old Auburn Road District, Citrus Heights’s 85,000-plus residents sit within minutes of Roseville and Rancho Cordova. Our Citrus Heights knowledge is street-level — the area around the Sunrise Mall redevelopment area included. Whether the address is in Sylvan Corners, Rusch Park, Sunrise/Fair Oaks corridor, and Old Auburn Road District or another Citrus Heights pocket entirely, the financing follows. A Citrus Heights broker without the drive: we handle Citrus Heights loans by phone and online, and the Citrus Heights market knowledge travels with us.
What working with us looks like.
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
First-time-buyer, conventional, FHA carry most Citrus Heights purchases — and we check every assistance program a Citrus Heights file qualifies for.
Lenders shopped for you
Many lenders bid on each Citrus Heights file we bring them — Citrus Heights buyers never shop one shelf.
Owner-handled
Your Citrus Heights file is handled by owner Esther Buede herself — in Citrus Heights or Roseville, hers is the name buyers recognize from our reviews.
One name on every Citrus Heights loan.
Owner Esther Buede (individual NMLS #2003644) personally runs each Citrus Heights file — Rusch Park or any Citrus Heights address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Citrus Heights loan for your situation.
Citrus Heights’s pull — think the Sunrise Mall redevelopment area — keeps first-time-buyer work coming. Citrus Heights files most often land on first-time-buyer, conventional, FHA — and past those, every Citrus Heights option gets shopped: non-QM, FHA financing, conventional, jumbo, and VA. Jump in at any stage: buying, refinancing your mortgage, or just running numbers — start your application here or call (949) 522-7310.
The programs that come up most for Citrus Heights buyers: FHA, first-time-buyer, conventional.
Wondering about down-payment help in Citrus Heights? The real 2026 programs, verified — including statewide CalHFA options for Citrus Heights buyers.
Citrus Heights self-employed borrowers get their own path here, qualifying on 1099 income instead of W-2s. See Sacramento County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Beyond Citrus Heights itself, Roseville, Rancho Cordova, Rocklin buyers work with us the same way. Browse our California service areas →
Choice Home Mortgage is a licensed California mortgage broker serving Citrus Heights — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Citrus Heights mortgage questions, answered.
What's the 2026 conforming loan limit in Citrus Heights?
For Citrus Heights buyers, conforming runs to $832,750 in 2026; beyond that a Citrus Heights purchase shops jumbo. FHFA figures — we'll verify yours.
Which programs fit Citrus Heights first-time buyers?
For Citrus Heights first-timers the workhorses are FHA, first-time-buyer, conventional. We match Citrus Heights buyers to the down-payment and first-time programs their file qualifies for.
Which Citrus Heights neighborhoods do you serve?
Every corner of Citrus Heights, from Sylvan Corners, Rusch Park, Sunrise/Fair Oaks corridor, Old Auburn Road District on out. A Citrus Heights loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Citrus Heights?
Yes — Citrus Heights loans are everyday work for this family-owned California broker (NMLS #2629064); every Citrus Heights file gets Esther Buede directly.
Do you serve areas near Citrus Heights?
Roseville, Rancho Cordova and Rocklin are close enough to Citrus Heights that Choice Home Mortgage arranges loans there too, and each one is checked against its own county's 2026 conforming limit before we quote anything.
Buying near Citrus Heights? We cover that too
Ready for your Citrus Heights address?
Your Citrus Heights plans, the owner's full attention, and a market of lenders shopped on your Citrus Heights file's behalf.