Daly City, CA
Daly City home loans, built for Daly City's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Daly City's price points — not a one-size template.
What financing a Daly City home really takes.
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.
That market shapes the loan. Because San Mateo County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Daly City 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 Daly City from the ground up — close to the Westlake district. We finance homes across Westlake, St. Francis Heights, Serramonte, and Crocker — and every other corner of Daly City. Looking for a mortgage broker near you in Daly City? 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.
Daly City market knowledge
Near the Westlake district, across Westlake, St. Francis Heights, Serramonte — we know how Daly City prices and programs actually work.
High-balance & jumbo ready
Daly City runs above the national norm — we structure high-balance, jumbo, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Daly City file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Daly City loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Daly City, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Daly City loan for your situation.
For Daly City we lean on high-balance, jumbo, conventional — 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 Daly City, we also help buyers in South San Francisco, San Francisco, San Bruno. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Daly City mortgage questions, answered.
What's the 2026 conforming loan limit in Daly City?
In San Mateo 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 Daly City?
Not always. Many Daly City 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 Daly City neighborhoods do you serve?
We serve buyers across Daly City, including Westlake, St. Francis Heights, Serramonte. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Daly City?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Daly City and the surrounding area.
Do you serve areas near Daly City?
Yes — we also work with buyers in nearby South San Francisco, San Francisco, San Bruno. Same process, local loan-limit details for each.
Let's finance your Daly City home.
Talk to the owner directly. We'll map the right loan for your Daly City home and put lenders in competition for it.