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.
Where do Fontana buyers find a mortgage broker?
A Fontana 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 Fontana loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Fontana home is $832,750 (San Bernardino County, per FHFA). We start every Fontana file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. As a market, Fontana 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.
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). She’ll know your Fontana plans — Sierra Lakes or anywhere Fontana — and your name from the first call. Choice Home Mortgage has closed loans 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 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.
Fontana files here lean on FHA, first-time-buyer, conventional.
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. Fontana sits in San Bernardino County — see how we work across San Bernardino County as a whole.
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?
The 2026 conforming loan limit for a one-unit home in Fontana is $832,750, the figure FHFA set for San Bernardino County. San Bernardino 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.
How do first-time buyers usually finance a Fontana home?
First-time buyers in Fontana usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in San Bernardino County is $690,000. Some conventional programs accept 3% down from first-time buyers.
Which Fontana neighborhoods do you serve?
We finance homes in every Fontana neighborhood, including North Fontana, Sierra Lakes, Heritage Village and Southridge. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from North Fontana to Southridge go through owner Esther Buede, by phone and online.
Can you handle my Fontana purchase remotely?
Yes. Owner Esther Buede handles Fontana purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The San Bernardino County conforming limit for one unit is $832,750 in 2026.
Do you serve areas near Fontana?
Yes. Besides Fontana, we also arrange loans in Jurupa Valley, Rialto and Riverside. 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 Fontana file.
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.