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.
Where do Daly City buyers find a mortgage broker?
A Daly City 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 Daly City loan, and owner Esther Buede runs the file personally.
For Daly City, FHFA's 2026 one-unit limit is $1,249,125 (San Mateo County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. Daly City itself prices above the national norm, which is part of why San Mateo County carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
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). She’ll know your Daly City plans — St. Francis Heights or anywhere Daly City — and your name from the first call. Choice Home Mortgage has closed loans since 2005. 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, an FHA loan, conventional, jumbo, and VA. Jump in at any stage: buying, exploring a refinance, or just running numbers — begin online or call (949) 522-7310.
Daly City files here lean on high-balance, jumbo, conventional.
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.
Daly City borrowers who work for themselves get their own path here, qualifying on bank-statement income instead of W-2s; Daly City investors have no-income investor financing too. See San Mateo County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
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?
$1,249,125 is the 2026 conforming limit for a single-family home in Daly City, based on FHFA's figure for San Mateo County. Because San Mateo County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
Do Daly City buyers usually need jumbo financing?
Only loans above $1,249,125 need jumbo financing in Daly City; that is the 2026 San Mateo County limit, and anything at or under it is conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for San Mateo County. We shop the loan with many lenders and show you the offers side by side.
Which Daly City neighborhoods do you serve?
We finance homes in every Daly City neighborhood, including Westlake, St. Francis Heights, Serramonte and Crocker. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Owner Esther Buede handles every file by phone and online, Westlake and Crocker included.
Can you handle my Daly City purchase remotely?
Yes. Owner Esther Buede handles Daly City purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for San Mateo County is $1,249,125.
Do you cover the towns around Daly City?
Yes, the towns around Daly City are covered, including South San Francisco, San Francisco and San Bruno. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Daly City file.
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.