Concord, CA
Concord home loans, built for Concord's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Concord's price points — not a one-size template.
How Concord buyers get to the closing table.
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 market shapes the loan. Because Contra Costa County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Concord buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Concord from the ground up — close to Todos Santos Plaza. We finance homes across Todos Santos/Downtown, Holbrook Heights, Monument Corridor, and Clayton Valley — and every other corner of Concord. Looking for a mortgage broker near you in Concord? 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.
Concord market knowledge
Near Todos Santos Plaza, across Todos Santos/Downtown, Holbrook Heights, Monument Corridor — we know how Concord prices and programs actually work.
High-balance & jumbo ready
Concord runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Concord file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Concord loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Concord, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Concord financing that fits the home and the borrower.
For Concord we lean on high-balance, jumbo — 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 Concord, we also help buyers in Martinez, Walnut Creek, Pittsburg. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Concord mortgage questions, answered.
What's the 2026 conforming loan limit in Concord?
In Contra Costa County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Concord?
Not always. Many Concord homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Concord neighborhoods do you serve?
We serve buyers across Concord, including Todos Santos/Downtown, Holbrook Heights, Monument Corridor. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Concord?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Concord and the surrounding area.
Do you serve areas near Concord?
Yes — we also work with buyers in nearby Martinez, Walnut Creek, Pittsburg. Same process, local loan-limit details for each.
Let's finance your Concord home.
Straight answers on your Concord options, and a broker who shops the whole market so you don't have to.