Daly City, CA
Daly City home loans, built for Daly City's market.
From jumbo to move-up money, Daly City loans get built around real Daly City price tags — Westlake included, template excluded.
How Daly City buyers reach closing in Daly City.
Daly City sits at the northern tip of San Mateo County adjacent to San Francisco, with two BART stations giving direct rail access to downtown SF and SFO — a structural location advantage; its post-WWII Westlake tract houses are among the lowest-cost single-family entries in a BART-connected SF commute shed.
Financing follows that Daly City math. San Mateo County counts as high-cost, so Daly City buyers get a $1,249,125 one-unit ceiling on 2026 Daly City purchases. In practice, Daly City deals lean on high-balance and jumbo programs; mapping your Daly City price against $1,249,125 is where strategy starts. FHFA sets these limits annually; run your scenario by us.
Daly City holds 104,000-plus residents across pockets like Westlake and Crocker, with South San Francisco and San Francisco right next door. the Westlake district to the Daly City line — that’s ground we know well. We finance homes across Westlake, St. Francis Heights, Serramonte, and Crocker — and every other corner of Daly City. Searching “mortgage broker near me” from Daly City? We cover Daly City by phone and online — Daly City-level market help, no office visit.
What working with us looks like.
Daly City market knowledge
From Westlake, St. Francis Heights, Serramonte to the blocks near the Westlake district — Daly City pricing has a logic, and we work it daily.
High-balance & jumbo ready
Jumbo, conventional, high-balance — that's the Daly City toolkit, because Daly City prices above the national norm and the financing keeps up.
Lenders shopped for you
As a broker we put many lenders in competition for your Daly City file — not one bank's Daly City shelf.
Owner-handled
Esther Buede — the owner — works your Daly City loan start to finish; our Google reviews show Daly City buyers why that matters.
One name on every Daly City loan.
Every Daly City file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Daly City plans — St. Francis Heights or anywhere Daly City — and your name from the first call. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Built around your Daly City home, not a shelf product.
Demand around the Westlake district keeps jumbo activity steady in Daly City. Jumbo, conventional, high-balance carry most of our Daly City work — and beyond those, Daly City buyers get the full menu: non-QM, FHA, conventional, jumbo, and VA. Jump in at any stage: buying, refinancing, or just running numbers — begin online or call (949) 522-7310.
If the down payment is the wall between you and a Daly City home, read what assistance actually exists right now — CalHFA reaches Daly City.
Close to Daly City, we also help buyers in South San Francisco, San Francisco, San Bruno. Every California city we cover →
Serving Daly City as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Daly City home-loan questions, straight answers.
What's the 2026 conforming loan limit in Daly City?
For Daly City, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your Daly City purchase against them.
Do Daly City buyers usually need jumbo financing?
Often, yes — Daly City prices push many Daly City purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Daly City file around where the price lands.
Which Daly City neighborhoods do you serve?
All of Daly City — including Westlake, St. Francis Heights, Serramonte, Crocker. The financing follows you across Daly City: the loan matches your Daly City file, never the ZIP.
Can you handle my Daly City purchase remotely?
Absolutely. Daly City is core coverage for a California broker like us (NMLS #2629064); Daly City clients work directly with owner Esther Buede remotely.
Do you cover the towns around Daly City?
Yes — South San Francisco, San Francisco, San Bruno are all in reach from Daly City. Same process; each area's own loan-limit details applied.
Let's get you home in Daly City.
No call center — just Esther. We'll find what fits your Daly City purchase and do the Daly City lender legwork.