Cypress, CA
Cypress home loans, built for Cypress's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Cypress's price points — not a one-size template.
Inside the Cypress mortgage market.
Cypress sits in northwestern Orange County between the 405 and 22 freeways, offering a dense suburban footprint with shorter commutes to Long Beach, Anaheim, and the South Bay than most coastal OC; its older 1960s-70s tract stock on ADU-friendly lots makes it a structural value within one of the nation’s highest-cost metros.
That market shapes the loan. Because Orange County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Cypress 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 Cypress from the ground up — close to the Cypress Civic Center and Veterans Park. We finance homes across Civic Center, Halcon, North of Katella, and Los Alamitos Race Course area — and every other corner of Cypress. Looking for a mortgage broker near you in Cypress? 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.
Cypress market knowledge
Near the Cypress Civic Center and Veterans Park, across Civic Center, Halcon, North of Katella — we know how Cypress prices and programs actually work.
High-balance & jumbo ready
Cypress runs above the national norm — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Cypress file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Cypress loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Cypress, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Built around your Cypress home, not a shelf product.
For Cypress we lean on jumbo, high-balance — 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 Cypress, we also help buyers in Buena Park, Stanton, Cerritos. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Cypress mortgage questions, answered.
What's the 2026 conforming loan limit in Cypress?
In Orange 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 Cypress?
Not always. Many Cypress 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 Cypress neighborhoods do you serve?
We serve buyers across Cypress, including Civic Center, Halcon, North of Katella. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Cypress?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Cypress and the surrounding area.
Do you serve areas near Cypress?
Yes — we also work with buyers in nearby Buena Park, Stanton, Cerritos. Same process, local loan-limit details for each.
Let's finance your Cypress home.
No call center — just Esther. We'll find the program that fits your Cypress purchase and do the lender legwork.