Fairfield, CA
Your Fairfield mortgage, done right.
FHA, VA (primary), conventional programs sized to Fairfield budgets — matched to your Fairfield file, from Rancho Solano to every corner of Fairfield.
Where do Fairfield buyers find a mortgage broker?
A Fairfield 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 Fairfield loan, and owner Esther Buede runs the file personally.
For Fairfield, FHFA's 2026 one-unit limit is $832,750 (Solano County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Fairfield home loans, the honest version.
Fairfield sits at the midpoint of the I-80 corridor between San Francisco and Sacramento, offering commuter access to two job markets without either’s price premium; Travis Air Force Base — the busiest air-mobility port on the West Coast — anchors the economy and a stable base of VA-eligible buyers.
The loan has to fit the Fairfield picture. Fairfield follows Solano County’s national-baseline limit for 2026: $832,750 on a one-unit Fairfield home. Most Fairfield purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and VA (primary) open for Fairfield buyers. As a market, Fairfield runs solidly middle-of-market. 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.
Roughly 109,000-plus people call Fairfield home, spread from Rancho Solano to Cordelia, with Vacaville and Vallejo minutes away. Fairfield isn’t an abstraction to us — we know it down to Travis Air Force Base. We finance homes across Rancho Solano, Green Valley, Paradise Valley, and Cordelia — and every other corner of Fairfield. A Fairfield broker without the drive: we handle Fairfield loans by phone and online, and the Fairfield market knowledge travels with us.
What working with us looks like.
Fairfield market knowledge
We work Fairfield street by street — Rancho Solano, Green Valley, Paradise Valley and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
FHA, VA (primary), conventional carry most Fairfield purchases — and we check every assistance program a Fairfield file qualifies for.
Lenders shopped for you
Your Fairfield file gets shopped across many lenders — a broker working Fairfield, not one bank's sales desk.
Owner-handled
Owner Esther Buede guides your Fairfield loan personally — the named expert Fairfield clients would find praised across our Google reviews.
One owner, handling your whole loan.
Every Fairfield file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Fairfield plans — Green Valley or anywhere Fairfield — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Matched to your Fairfield purchase, not a template.
Demand around Travis Air Force Base keeps FHA activity steady in Fairfield. For Fairfield we lean on FHA, VA (primary), conventional — but whatever fits your Fairfield file, we shop it: an FHA loan, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, exploring a refinance, or comparing paths — start your application here or call (949) 522-7310.
The programs that come up most for Fairfield buyers: VA (primary), conventional, FHA.
If the down payment is the wall between you and a Fairfield home, read what assistance actually exists right now — CalHFA reaches Fairfield.
Fairfield self-employed borrowers get their own path here, qualifying on bank-statement income instead of W-2s. Solano County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Fairfield: Vacaville, Vallejo, Napa are all in reach. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker serving Fairfield — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Fairfield home-loan questions, straight answers.
Where does the Fairfield conforming loan limit sit for 2026?
In Fairfield, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Solano 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 Solano County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Fairfield home?
First-time buyers in Fairfield usually finance with VA, conventional and FHA loans. VA loans need no down payment for eligible veterans and service members. HUD's 2026 FHA limit for one unit in Solano County is $685,400. Some conventional programs accept 3% down from first-time buyers. We shop the loan with many lenders and show you the offers side by side.
Which Fairfield neighborhoods do you serve?
All of them, from Rancho Solano to Cordelia; the rest of Fairfield is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Rancho Solano and Cordelia included.
Do you actually know the Fairfield market?
Yes. A one-unit Fairfield home has a $832,750 conforming limit for 2026, the FHA limit there is $685,400, 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.
Do you cover the towns around Fairfield?
Yes, the towns around Fairfield are covered, including Vacaville, Vallejo and Napa. 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 Fairfield file.
Let's finance your Fairfield home.
Tell us about the Fairfield home you want — we'll match the program and make lenders compete for your Fairfield loan.