Davis, CA
Davis home loans, built for Davis's market.
High-balance, jumbo, move-up, refinance: whatever a Davis purchase needs — near Mace Ranch or anywhere Davis — the loan fits the market.
Inside the Davis mortgage market.
Davis maintains a legally binding Urban Growth Boundary that prevents outward expansion, making land scarcity a permanent structural feature; UC Davis sustains demand for owner-occupied housing while compressing rental vacancy, and the nation’s first Bicycle Friendly Community status adds a livability premium visible in consistent resale performance.
That Davis market shapes the loan. For Davis, 2026 conforming tops out at Yolo County’s $832,750 baseline on one-unit Davis homes. Most Davis purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Davis buyers. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
From Mace Ranch over to South Davis, Davis’s 66,000-plus residents sit within minutes of Woodland and West Sacramento. Davis isn’t an abstraction to us — we know it down to the UC Davis campus and Mondavi Center. Mace Ranch, Wildhorse, Village Homes, and South Davis — we finance homes in each of them, and everywhere else Davis reaches. Need a broker near you in Davis? Everything runs by phone and online, so Davis expertise comes straight to you.
What working with us looks like.
Davis market knowledge
From Mace Ranch, Wildhorse, Village Homes to the blocks near the UC Davis campus and Mondavi Center — Davis pricing has a logic, and we work it daily.
Move-up & jumbo ready
Price tags in Davis sit above the national norm, so we build conventional, FHA, some jumbo for upper tier strategies sized to Davis.
Lenders shopped for you
Your Davis file gets shopped across many lenders — a broker working Davis, not one bank's sales desk.
Owner-handled
Owner Esther Buede guides your Davis loan personally — the named expert Davis clients would find praised across our Google reviews.
Your loan, one named expert.
Your Davis loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Davis loan — from Wildhorse across the Davis map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Matched to your Davis purchase, not a template.
Near the UC Davis campus and Mondavi Center, conventional files are a Davis staple for us. Davis files most often land on conventional, FHA, some jumbo for upper tier — and past those, every Davis option gets shopped: jumbo, VA, non-QM, FHA, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
Wondering about down-payment help in Davis? The real 2026 programs, verified — including statewide CalHFA options for Davis buyers.
Close to Davis, we also help buyers in Woodland, West Sacramento, Sacramento. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Davis. Equal Housing Opportunity.
What Davis buyers ask us first.
What's the 2026 conforming loan limit in Davis?
In Yolo County, the 2026 single-family limit is $832,750; anything above that in Davis is jumbo territory. FHFA sets it — we'll verify your Davis case.
Is a jumbo loan the norm for Davis purchases?
Many Davis deals do cross into jumbo territory. The move on a Davis purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Which Davis neighborhoods do you serve?
Every corner of Davis, from Mace Ranch, Wildhorse, Village Homes, South Davis on out. A Davis loan prices off your file, not the neighborhood.
Do you actually know the Davis market?
Yes — we're a family-owned California broker (NMLS #2629064) and Davis sits squarely in coverage. Davis files run remotely, owner-handled for every Davis client.
What if I'm buying just outside Davis?
Yes — Woodland, West Sacramento, Sacramento are all in reach from Davis. Same process; each area's own loan-limit details applied.
Your Davis keys are the goal.
Your Davis plans, the owner's full attention, and a market of lenders shopped on your Davis file's behalf.