Fontana, CA
Your Fontana mortgage, done right.
Your Fontana budget picks the program — FHA, first-time-buyer, conventional — and we handle the Fontana lender legwork, whether you're eyeing North Fontana or beyond.
Inside the Fontana mortgage market.
Fontana is one of the Inland Empire’s fastest-growing cities, functioning as a logistics and bedroom community for a workforce priced out of LA and Orange counties; appreciation tracks the broader Inland Empire, which lags the coast structurally.
That Fontana market shapes the loan. The 2026 conforming number for Fontana buyers in San Bernardino County is $832,750 — the baseline every Fontana file starts from. With Fontana homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Fontana files. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
Some 203,000-plus people live in Fontana — North Fontana, Southridge, and between — a short drive from Jurupa Valley or Rialto. Fontana isn’t an abstraction to us — we know it down to the Jurupa Mountains and Fontana Park. North Fontana, Sierra Lakes, Heritage Village, and Southridge — we finance homes in each of them, and everywhere else Fontana reaches. If you’re in Fontana hunting for a nearby broker: we work Fontana loans by phone and online, Fontana knowledge included.
What you get with a local broker.
Fontana market knowledge
North Fontana, Sierra Lakes, Heritage Village, over to the Jurupa Mountains and Fontana Park — Fontana's pockets price differently, and the right program follows the pocket.
First-time & assistance
Fontana buyers often start with FHA, first-time-buyer, conventional — we match Fontana files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
One Fontana application, many lenders competing on it — that's what a Fontana buyer hires a broker for.
Owner-handled
Esther Buede — the owner — works your Fontana loan start to finish; our Google reviews show Fontana buyers why that matters.
One expert, application to keys.
Every Fontana file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Fontana plans — Sierra Lakes or anywhere Fontana — and your name from the first call. 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 Fontana home, not a shelf product.
Near the Jurupa Mountains and Fontana Park, FHA files are a Fontana staple for us. For Fontana we lean on FHA, first-time-buyer, conventional — but whatever fits your Fontana file, we shop it: VA, non-QM, FHA loans, conventional, and jumbo. Any starting point works: buying, refinancing, or simply exploring — apply here or call (949) 522-7310.
First home in Fontana? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Fontana buyers too.
Fontana borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s; Fontana investors have DSCR investor loans too. Want every unit count, not just single-family? San Bernardino County’s 2026 loan limits page has the full table.
Close to Fontana, we also help buyers in Jurupa Valley, Rialto, Riverside. Every California city we cover →
A licensed California mortgage broker for Fontana: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Fontana home-loan questions, straight answers.
Where does the Fontana conforming loan limit sit for 2026?
In San Bernardino County, the 2026 single-family limit is $832,750; anything above that in Fontana is jumbo territory. FHFA sets it — we'll verify your Fontana case.
How do first-time buyers usually finance a Fontana home?
For Fontana first-timers the workhorses are FHA, first-time-buyer, conventional. We match Fontana buyers to the down-payment and first-time programs their file qualifies for.
Which Fontana neighborhoods do you serve?
Every corner of Fontana, from North Fontana, Sierra Lakes, Heritage Village, Southridge on out. A Fontana loan prices off your file, not the neighborhood.
Can you handle my Fontana purchase remotely?
Fontana? Definitely. California-licensed (NMLS #2629064) with Fontana squarely covered — your Fontana loan runs remotely and owner-handled.
Do you serve areas near Fontana?
Jurupa Valley, Rialto, Riverside — all covered alongside Fontana, each with its own limit details worked in.
Let's get you home in Fontana.
One call with the owner — local, honest, no pressure. We'll match the program to your Fontana purchase and shop lenders for your Fontana file.