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.
Where do Fremont buyers find a mortgage broker?
A Fremont 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 Fremont loan, and owner Esther Buede runs the file personally.
For 2026, a one-unit Fremont home can carry a conforming loan of up to $1,249,125, the Alameda County limit FHFA sets, and we check where your Fremont price falls before you write an offer. The whole process runs by phone and online.
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. As a market, Fremont runs among the priciest in California — consistent with Alameda County’s high-cost status. 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 13, 2026.
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. Choice Home Mortgage has been family-run 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 loans, conventional, jumbo, and VA. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — start your application here or call (949) 522-7310.
The programs that come up most for Fremont buyers: jumbo, high-balance.
Buying your first Fremont place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Fremont.
Not every Fremont file fits a W-2 box — self-employed borrowers can qualify on bank-statement income, and Fremont investors can lean on no-income investor financing. Want every unit count, not just single-family? Alameda County’s 2026 loan limits page has the full table. For the county-level view, including which loans fit Alameda County prices, see our Alameda County page.
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?
A conforming loan on a one-unit Fremont home can go up to $1,249,125 in 2026, which is FHFA's limit for Alameda County. High-cost status lifts the Alameda County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. A two-unit property in Alameda County can borrow up to $1,599,375 and stay conforming.
Do Fremont buyers usually need jumbo financing?
A Fremont buyer needs a jumbo loan only when the amount borrowed tops $1,249,125, the 2026 Alameda County limit; at or below it, the loan stays conforming. High-balance conforming covers loans from $832,750 up to $1,249,125 in Alameda County. We shop the loan with many lenders and show you the offers side by side.
What parts of Fremont do you work in?
Every part of Fremont, including Mission San Jose, Niles, Irvington and Warm Springs. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. A Mission San Jose address and a Warm Springs address get the same lender shopping from us.
Can you handle my Fremont purchase remotely?
Yes. Owner Esther Buede handles Fremont 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 Alameda County conforming limit for one unit is $1,249,125 in 2026.
What if I'm buying just outside Fremont?
Buying just outside Fremont changes nothing on our side; we also arrange loans in Newark, Union City and Hayward. 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 Fremont file.
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.