Fontana, CA
Your Fontana mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Fontana — clear guidance from pre-approval through closing.
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 market shapes the loan. In San Bernardino County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Fontana purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Fontana from the ground up — close to the Jurupa Mountains and Fontana Park. We finance homes across North Fontana, Sierra Lakes, Heritage Village, and Southridge — and every other corner of Fontana. Looking for a mortgage broker near you in Fontana? 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.
Fontana market knowledge
Near the Jurupa Mountains and Fontana Park, across North Fontana, Sierra Lakes, Heritage Village — we know Fontana's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Fontana buyers often start with FHA, first-time-buyer, conventional — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Fontana file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Fontana loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Fontana, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Built around your Fontana home, not a shelf product.
For Fontana we lean on FHA, first-time-buyer, conventional — 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 Fontana, we also help buyers in Jurupa Valley, Rialto, Riverside. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Fontana mortgage questions, answered.
What's the 2026 conforming loan limit in Fontana?
In San Bernardino County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Fontana?
Most Fontana buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Fontana neighborhoods do you serve?
We serve buyers across Fontana, including North Fontana, Sierra Lakes, Heritage Village. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Fontana?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Fontana and the surrounding area.
Do you serve areas near Fontana?
Yes — we also work with buyers in nearby Jurupa Valley, Rialto, Riverside. Same process, local loan-limit details for each.
Let's finance your Fontana home.
No call center — just Esther. We'll find the program that fits your Fontana purchase and do the lender legwork.