Fremont, CA
Fremont home loans, built for Fremont's market.
Fremont prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Fremont actually sells, from Mission San Jose on out.
How Fremont buyers reach closing in Fremont.
Fremont’s geography — Bay to the west, Diablo Range to the east — creates a hard supply ceiling that has persisted across decades of demand, and it sits at the easternmost practical commute anchor for Silicon Valley employment.
That Fremont market shapes the loan. Because Alameda County is high-cost, a Fremont one-unit purchase can reach $1,249,125 and stay conforming on a Fremont file. In practice, Fremont deals lean on high-balance and jumbo programs; mapping your Fremont price against $1,249,125 is where strategy starts. 2026 limits published by FHFA — confirm your exact scenario with us.
Fremont holds 224,000-plus residents across pockets like Mission San Jose and Warm Springs, with Newark and Union City right next door. Mission San Jose to the Fremont line — that’s ground we know well. We finance homes across Mission San Jose, Niles, Irvington, and Warm Springs — and every other corner of Fremont. Looking for a mortgage broker near you in Fremont? We serve Fremont by phone and online, so Fremont buyers get local-market help without driving anywhere.
What you get with a local broker.
Fremont market knowledge
Mission San Jose, Niles, Irvington, the streets around Mission San Jose — we read Fremont's price points like locals, because that's how we work it.
High-balance & jumbo ready
Price tags in Fremont sit at the top of the California market, so we build jumbo, high-balance strategies sized to Fremont.
Lenders shopped for you
As a broker we put many lenders in competition for your Fremont file — not one bank's Fremont shelf.
Owner-handled
Esther Buede — the owner — works your Fremont loan start to finish; our Google reviews show Fremont buyers why that matters.
Fremont's file, the owner's desk.
Owner Esther Buede (individual NMLS #2003644) personally runs each Fremont file — Niles or any Fremont address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Fremont loan for your situation.
Around Mission San Jose, jumbo remains the workhorse of Fremont lending. The Fremont playbook usually starts with jumbo, high-balance — then we shop whatever your Fremont file calls for: non-QM, FHA, conventional, jumbo, and VA. Come in at your own pace — buying, refinancing, or comparing paths — start your application here or call (949) 522-7310.
Buying your first Fremont place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Fremont.
And around Fremont: Newark, Union City, Hayward are all in reach. Every California city we cover →
Choice Home Mortgage is a licensed California mortgage broker serving Fremont — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Fremont buyers ask us first.
How high can a conforming loan go in Fremont?
Because Alameda County counts as high-cost, Fremont buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Fremont numbers.
Do Fremont buyers usually need jumbo financing?
Fremont's price points mean jumbo and high-balance financing come up constantly on Fremont files. We map your purchase against the limit first, then make lenders compete for it.
What parts of Fremont do you work in?
Every corner of Fremont, from Mission San Jose, Niles, Irvington, Warm Springs on out. A Fremont loan prices off your file, not the neighborhood.
Can you handle my Fremont purchase remotely?
Yes — we're a family-owned California broker (NMLS #2629064) and Fremont sits squarely in coverage. Fremont files run remotely, owner-handled for every Fremont client.
What if I'm buying just outside Fremont?
Yes — Newark, Union City, Hayward are all in reach from Fremont. Same process; each area's own loan-limit details applied.
Let's get you home in Fremont.
Talk to the owner directly. We'll map the right loan for your Fremont home and put lenders in competition for Fremont business.