Costa Mesa, CA
Costa Mesa home loans, built for Costa Mesa's market.
Costa Mesa prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Costa Mesa actually sells, from Eastside Costa Mesa on out.
Where do Costa Mesa buyers find a mortgage broker?
A Costa Mesa buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Costa Mesa loan, and owner Esther Buede runs the file personally.
For 2026, a one-unit Costa Mesa home can carry a conforming loan of up to $1,249,125, the Orange County limit FHFA sets, and we check where your Costa Mesa price falls before you write an offer. The whole process runs by phone and online.
Inside the Costa Mesa mortgage market.
Costa Mesa sits between Newport Beach and Huntington Beach in Orange County’s coastal core, with an inland-facing arts-district identity that attracts buyers who want coastal proximity without beachfront prices.
Those Costa Mesa realities set the strategy. Because Orange County is high-cost, a Costa Mesa one-unit purchase can reach $1,249,125 and stay conforming on a Costa Mesa file. Plenty of Costa Mesa purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Costa Mesa work for us. Costa Mesa itself prices above the national norm, which is part of why Orange County carries a high-cost designation. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Roughly 112,000-plus people call Costa Mesa home, spread from Eastside Costa Mesa to Mesa North, with Fountain Valley and Newport Beach minutes away. Ask us about Costa Mesa blocks near South Coast Plaza — that’s the level we work at. Whether the address is in Eastside Costa Mesa, Mesa Verde, Westside Costa Mesa, and Mesa North or another Costa Mesa pocket entirely, the financing follows. Need a broker near you in Costa Mesa? Everything runs by phone and online, so Costa Mesa expertise comes straight to you.
What you get with a local broker.
Costa Mesa market knowledge
Eastside Costa Mesa, Mesa Verde, Westside Costa Mesa, the streets around South Coast Plaza — we read Costa Mesa's price points like locals, because that's how we work it.
High-balance & jumbo ready
Jumbo, high-balance — that's the Costa Mesa toolkit, because Costa Mesa prices above the national norm and the financing keeps up.
Lenders shopped for you
Costa Mesa loans here go to whichever lender earns them — we shop the Costa Mesa file wide.
Owner-handled
In Costa Mesa you get the owner, Esther Buede, personally — no queue for Costa Mesa files, and the Costa Mesa attention shows in our reviews.
The owner works your file. Personally.
Every Costa Mesa file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Costa Mesa plans — Mesa Verde or anywhere Costa Mesa — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Built around your Costa Mesa home, not a shelf product.
Near South Coast Plaza, jumbo files are a Costa Mesa staple for us. For Costa Mesa we lean on jumbo, high-balance — but whatever fits your Costa Mesa file, we shop it: conventional, jumbo, VA, non-QM, and FHA loans. Come in at your own pace — buying, exploring a refinance, or comparing paths — apply online or call (949) 522-7310.
For Costa Mesa, that usually means high-balance, jumbo.
Costa Mesa first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Costa Mesa borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s; Costa Mesa investors have bridge financing too. See Orange County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Beyond Costa Mesa itself, Fountain Valley, Newport Beach, Santa Ana buyers work with us the same way. Browse our California service areas →
Serving Costa Mesa as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Costa Mesa buyers.
Where does the Costa Mesa conforming loan limit sit for 2026?
In Costa Mesa, a one-unit home can carry a conforming loan of up to $1,249,125 for 2026, under FHFA's limit for Orange County. High-cost status lifts the Orange County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. For two units, the Orange County conforming limit is $1,599,375.
How do Costa Mesa buyers finance above the conforming limit?
Above $1,249,125, Costa Mesa buyers either take a jumbo loan or raise the down payment until the loan fits under the Orange County limit. High-balance conforming covers loans from $832,750 up to $1,249,125 in Orange County. Your file goes to many lenders, and you see their offers side by side.
Which Costa Mesa neighborhoods do you serve?
All of them, from Eastside Costa Mesa to Mesa North; the rest of Costa Mesa is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. An Eastside Costa Mesa address and a Mesa North address get the same lender shopping from us.
Do you actually know the Costa Mesa market?
Yes. We price Costa Mesa loans off the 2026 Orange County figures, $1,249,125 conforming and $1,249,125 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Costa Mesa buyers work with owner Esther Buede herself.
Do you serve areas near Costa Mesa?
Yes. Besides Costa Mesa, we also arrange loans in Fountain Valley, Newport Beach and Santa Ana. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Costa Mesa file.
Let's get you home in Costa Mesa.
No call center — just Esther. We'll find what fits your Costa Mesa purchase and do the Costa Mesa lender legwork.