Downey, CA
Downey home loans, built for Downey's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Downey's price points — not a one-size template.
What financing a Downey home really takes.
Downey is an established southeast LA suburb with a balanced owner-renter mix, positioned as an accessible entry point into the high-cost LA market for buyers priced out of coastal cities.
That market shapes the loan. Because Los Angeles County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Downey 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 Downey from the ground up — close to the Columbia Memorial Space Center. We finance homes across Gallatin, Hollydale, Downey City Center, and Appleby — and every other corner of Downey. Looking for a mortgage broker near you in Downey? 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.
Downey market knowledge
Near the Columbia Memorial Space Center, across Gallatin, Hollydale, Downey City Center — we know how Downey prices and programs actually work.
High-balance & jumbo ready
Downey runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Downey file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Downey loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Downey, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The right Downey loan for your situation.
For Downey we lean on high-balance, jumbo — 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 Downey, we also help buyers in Paramount, Bellflower, Norwalk. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Downey mortgage questions, answered.
What's the 2026 conforming loan limit in Downey?
In Los Angeles 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 Downey?
Not always. Many Downey 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 Downey neighborhoods do you serve?
We serve buyers across Downey, including Gallatin, Hollydale, Downey City Center. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Downey?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Downey and the surrounding area.
Do you serve areas near Downey?
Yes — we also work with buyers in nearby Paramount, Bellflower, Norwalk. Same process, local loan-limit details for each.
Let's finance your Downey home.
Talk to the owner directly. We'll map the right loan for your Downey home and put lenders in competition for it.