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.
Who can help me get a mortgage in Davis, CA?
Choice Home Mortgage arranges home loans for Davis buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Davis file from the first call to closing.
The 2026 conforming limit for a one-unit Davis home is $832,750 (Yolo County, per FHFA). We start every Davis file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. Davis’s price tier is above the national norm. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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). The family brokerage dates to 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, an FHA loan, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
For Davis, that usually means conventional, FHA, some jumbo for upper tier.
Wondering about down-payment help in Davis? The real 2026 programs, verified — including statewide CalHFA options for Davis buyers.
Self-employed in Davis? We also work with self-employed borrowers — bank-statement income included. Yolo County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
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?
The 2026 conforming loan limit for a one-unit home in Davis is $832,750, the figure FHFA set for Yolo County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Yolo County can borrow up to $1,066,250 and stay conforming.
Is a jumbo loan the norm for Davis purchases?
Jumbo applies to a Davis purchase only when the loan itself is over $832,750; at or under that, the loan is conforming. A larger down payment can bring the loan back under $832,750 so it stays conforming. We shop the loan with many lenders and show you the offers side by side.
Which Davis neighborhoods do you serve?
We finance homes in every Davis neighborhood, including Mace Ranch, Wildhorse, Village Homes and South Davis. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. A Mace Ranch address and a South Davis address get the same lender shopping from us.
Do you actually know the Davis market?
Yes. A one-unit Davis home has a $832,750 conforming limit for 2026, the FHA limit there is $764,750, and every file we take starts from those figures. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan.
What if I'm buying just outside Davis?
Buying just outside Davis changes nothing on our side; we also arrange loans in Woodland, West Sacramento and Sacramento. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Davis file.
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.