Folsom, CA
Folsom home loans, built for Folsom's market.
From jumbo to move-up money, Folsom loans get built around real Folsom price tags, Empire Ranch included.
Who can help me get a mortgage in Folsom, CA?
Choice Home Mortgage arranges home loans for Folsom 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 Folsom file from the first call to closing.
The 2026 conforming limit for a one-unit Folsom home is $832,750 (Sacramento County, per FHFA). We start every Folsom file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Folsom home really takes.
Folsom’s identity as Sacramento’s technology suburb was established by Intel’s 1984 campus and reinforced by decades of skilled-worker in-migration around Folsom Lake and the American River Parkway; top-tier schools, trails, and a Gold Rush historic district keep resale values consistently above the county median.
That Folsom market shapes the loan. In Sacramento County, a Folsom one-unit purchase conforms up to 2026’s $832,750 baseline for Folsom files. With Folsom homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Folsom files. Folsom’s price tier is above the national norm. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Some 73,000-plus people live in Folsom — Empire Ranch, Natoma Station, and between — a short drive from Roseville or Citrus Heights. Folsom isn’t an abstraction to us — we know it down to Folsom Lake and the historic Sutter Street district. Buyers come to us from Empire Ranch, Briggs Ranch, Broadstone, and Natoma Station, and from every other part of Folsom. Typing “broker near me” somewhere in Folsom? Phone and online is how Folsom files run here — the local read on Folsom comes with it.
What you get with a local broker.
Folsom market knowledge
Near Folsom Lake and the historic Sutter Street district, across Empire Ranch, Briggs Ranch, Broadstone — we know how Folsom prices and programs actually work.
Move-up & jumbo ready
Folsom runs above the national norm — we structure jumbo above baseline, conventional financing around Folsom price points.
Lenders shopped for you
One Folsom application, many lenders competing on it — that's what a Folsom buyer hires a broker for.
Owner-handled
In Folsom you get the owner, Esther Buede, personally — no queue for Folsom files, and the Folsom attention shows in our reviews.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) personally runs each Folsom file — Briggs Ranch or any Folsom address — first call to keys. Choice Home Mortgage has been family-run since 2005. 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!”
Built around your Folsom home, not a shelf product.
Folsom’s pull — think Folsom Lake and the historic Sutter Street district — keeps jumbo above baseline work coming. Folsom files most often land on jumbo above baseline, conventional — and past those, every Folsom option gets shopped: non-QM, an FHA loan, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — apply online or call (949) 522-7310.
Folsom files here lean on conventional, jumbo above baseline.
Folsom first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Self-employed in Folsom? We also work with self-employed borrowers — 1099 income included. Sacramento County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
And around Folsom: Roseville, Citrus Heights, Rocklin are all in reach. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Folsom. Equal Housing Opportunity.
Real questions from Folsom buyers.
What's the 2026 conforming loan limit in Folsom?
In Folsom, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Sacramento County. Sacramento County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Is a jumbo loan the norm for Folsom purchases?
The loan amount decides it: a Folsom loan above $832,750 is jumbo, and at or below that figure it stays conforming. Putting more down keeps the loan at or under $832,750, which keeps it conforming. We shop the loan with many lenders and show you the offers side by side.
What parts of Folsom do you work in?
Every part of Folsom, including Empire Ranch, Briggs Ranch, Broadstone and Natoma Station. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Owner Esther Buede handles every file by phone and online, Empire Ranch and Natoma Station included.
Can you handle my Folsom purchase remotely?
Yes. A Folsom purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for Sacramento County is $832,750.
Do you serve areas near Folsom?
Yes. Besides Folsom, we also arrange loans in Roseville, Citrus Heights and Rocklin. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Folsom file.
Let's finance your Folsom home.
No call center — just Esther. We'll find what fits your Folsom purchase and do the Folsom lender legwork.