Concord, CA
Concord home loans, built for Concord's market.
The right Concord loan respects Concord prices — high-balance, jumbo, refinance — structured for Todos Santos/Downtown and every Concord block from day one.
Concord home loans, the honest version.
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.
That Concord market shapes the loan. 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. FHFA sets these limits annually; run your scenario by us.
Concord holds 125,000-plus residents across pockets like Todos Santos/Downtown and Clayton Valley, with Martinez and Walnut Creek right next door. Our Concord knowledge is street-level — the area around Todos Santos Plaza included. Buyers come to us from Todos Santos/Downtown, Holbrook Heights, Monument Corridor, and Clayton Valley, and from every other part of Concord. Typing “broker near me” somewhere in Concord? Phone and online is how Concord files run here — the local read on Concord comes with it.
What you get with a local broker.
Concord market knowledge
From Todos Santos/Downtown, Holbrook Heights, Monument Corridor to the blocks near Todos Santos Plaza — Concord pricing has a logic, and we work it daily.
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.
Every Concord file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Concord plans — Holbrook Heights or anywhere Concord — and your name from the first call. 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.”
Concord financing that fits the home and the borrower.
Around Todos Santos Plaza, high-balance remains the workhorse of Concord lending. Concord files most often land on high-balance, jumbo — and past those, every Concord option gets shopped: VA, non-QM, FHA, conventional, and jumbo. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
Short on the down payment for a Concord home? Here’s what assistance is genuinely available — statewide CalHFA help covers Concord.
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.
Real questions from Concord buyers.
How high can a conforming loan go in Concord?
Contra Costa County is high-cost, so a Concord single-family purchase can reach $1,249,125 and stay conforming. FHFA resets these yearly; we'll verify your Concord scenario.
How do Concord buyers finance above the conforming limit?
Concord's price points mean jumbo and high-balance financing come up constantly on Concord files. We map your purchase against the limit first, then make lenders compete for it.
Which Concord neighborhoods do you serve?
Every corner of Concord, from Todos Santos/Downtown, Holbrook Heights, Monument Corridor, Clayton Valley on out. A Concord loan prices off your file, not the neighborhood.
Can you handle my Concord purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Concord loans regularly — your Concord file stays owner-handled, phone-and-online, Concord to closing.
Do you serve areas near Concord?
Of course: Martinez, Walnut Creek, Pittsburg run the same as Concord files, with each area's numbers checked separately.
Ready for your Concord address?
Straight answers on your Concord options, and a broker shopping the whole market for Concord buyers like you.