Concord, CA
Concord home loans, built for Concord's market.
High-balance, jumbo, move-up, refinance: whatever a Concord purchase needs — near Todos Santos/Downtown or anywhere Concord — the loan fits the market.
Inside the Concord mortgage market.
Concord is the largest city in Contra Costa County and the primary affordability destination for Bay Area workers who can’t access closer-in East Bay cities; two BART stations make it the westernmost price-relief valve for the Bay Area core.
Those Concord realities set the strategy. For a Concord one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Concord buyers. In practice, Concord deals lean on high-balance and jumbo programs; mapping your Concord price against $1,249,125 is where strategy starts. Limits per FHFA 2026; verify your scenario with us.
Some 125,000-plus people live in Concord — Todos Santos/Downtown, Clayton Valley, and between — a short drive from Martinez or Walnut Creek. Concord isn’t an abstraction to us — we know it down to Todos Santos Plaza. Todos Santos/Downtown, Holbrook Heights, Monument Corridor, and Clayton Valley — we finance homes in each of them, and everywhere else Concord reaches. Looking for a mortgage broker near you in Concord? We serve Concord by phone and online, so Concord buyers get local-market help without driving anywhere.
How we work Concord loans.
Concord market knowledge
We know where Concord values run hot — Todos Santos/Downtown, Holbrook Heights, Monument Corridor, out to Todos Santos Plaza — and which programs fit each pocket.
High-balance & jumbo ready
High-balance, jumbo — that's the Concord toolkit, because Concord prices above the national norm and the financing keeps up.
Lenders shopped for you
Many lenders bid on each Concord file we bring them — Concord buyers never shop one shelf.
Owner-handled
Esther Buede — the owner — works your Concord loan start to finish; our Google reviews show Concord buyers why that matters.
One name on every Concord loan.
Your Concord loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Concord loan — from Holbrook Heights across the Concord map. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Built around your Concord home, not a shelf product.
Around Todos Santos Plaza, high-balance remains the workhorse of Concord lending. High-balance, jumbo carry most of our Concord work — and beyond those, Concord buyers get the full menu: VA, non-QM, an FHA loan, conventional, and jumbo. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
First home in Concord? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Concord buyers too.
Not every Concord file fits a W-2 box — self-employed borrowers can qualify on 1099 income, and Concord investors can lean on DSCR investor loans. Contra Costa County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Beyond Concord itself, Martinez, Walnut Creek, Pittsburg buyers work with us the same way. Browse our California service areas →
Choice Home Mortgage is a licensed California mortgage broker serving Concord — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Concord buyers ask us first.
How high can a conforming loan go in Concord?
For Concord, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your Concord purchase against them.
How do Concord buyers finance above the conforming limit?
Many Concord deals do cross into jumbo territory. The move on a Concord purchase is knowing where it sits against the limit — then shopping lenders built for that range.
What parts of Concord do you work in?
All of Concord — including Todos Santos/Downtown, Holbrook Heights, Monument Corridor, Clayton Valley. The financing follows you across Concord: the loan matches your Concord file, never the ZIP.
Can you handle my Concord purchase remotely?
Yes — we're a family-owned California broker (NMLS #2629064) and Concord sits squarely in coverage. Concord files run remotely, owner-handled for every Concord client.
What if I'm buying just outside Concord?
We do: buyers in Martinez, Walnut Creek, Pittsburg work with us like Concord buyers do, local limits checked for each.
Let's finance your Concord home.
Straight answers on your Concord options, and a broker shopping the whole market for Concord buyers like you.