Fresno, CA
Buy your first Fresno home with confidence.
We fit the loan to your Fresno plans — down-payment-assistance, FHA, first-time-buyer and more — walking Fresno buyers through it, Tower District to closing day.
Fresno home loans, the honest version.
Fresno is the hub of the San Joaquin Valley and the Central Valley’s most attainable entry into California homeownership, drawing price-displaced buyers from the Bay Area and Los Angeles.
Those Fresno realities set the strategy. Fresno follows Fresno County’s national-baseline limit for 2026: $832,750 on a one-unit Fresno home. Most Fresno purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and down-payment-assistance open for Fresno buyers. FHFA 2026 figures; your scenario gets verified before anything else.
From Tower District over to Old Fig Garden, Fresno’s 509,000-plus residents sit within minutes of Clovis and Madera. We work Fresno from the ground up — close to the Tower Theatre and Tower District. We finance homes across Tower District, Fig Garden, Woodward Park, and Old Fig Garden — and every other corner of Fresno. Need a broker near you in Fresno? Everything runs by phone and online, so Fresno expertise comes straight to you.
What working with us looks like.
Fresno market knowledge
Tower District, Fig Garden, Woodward Park, over to the Tower Theatre and Tower District — Fresno's pockets price differently, and the right program follows the pocket.
First-time & assistance
The Fresno starting lineup is usually down-payment-assistance, FHA, first-time-buyer; we add whichever down-payment help your Fresno budget is eligible for.
Lenders shopped for you
We make lenders compete for Fresno business instead of squeezing Fresno buyers into a single bank's box.
Owner-handled
In Fresno you get the owner, Esther Buede, personally — no queue for Fresno files, and the Fresno attention shows in our reviews.
Your loan, one named expert.
Your Fresno loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Fresno loan — from Fig Garden across the Fresno map. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
Fresno financing that fits the home and the borrower.
Near the Tower Theatre and Tower District, down-payment-assistance files are a Fresno staple for us. The Fresno playbook usually starts with down-payment-assistance, FHA, first-time-buyer — then we shop whatever your Fresno 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.
If the down payment is the wall between you and a Fresno home, read what assistance actually exists right now — CalHFA reaches Fresno.
Close to Fresno, we also help buyers in Clovis, Madera, Hanford. Browse our California service areas →
Choice Home Mortgage is a licensed California mortgage broker serving Fresno — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Fresno buyers ask us first.
Where does the Fresno conforming loan limit sit for 2026?
Fresno follows the $832,750 national baseline for 2026; a bigger Fresno loan goes jumbo. FHFA-published — we'll check your exact numbers.
What loans help first-time buyers in Fresno?
FHA, first-time-buyer, down-payment-assistance do the heavy lifting for Fresno first-timers. We sort which fit your numbers, plus any assistance your Fresno file earns.
Which Fresno neighborhoods do you serve?
Every corner of Fresno, from Tower District, Fig Garden, Woodward Park, Old Fig Garden on out. A Fresno loan prices off your file, not the neighborhood.
Can you handle my Fresno purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Fresno loans regularly — your Fresno file stays owner-handled, phone-and-online, Fresno to closing.
Do you cover the towns around Fresno?
Absolutely — Clovis, Madera, Hanford included. The Fresno playbook travels; only the county numbers change.
Let's finance your Fresno home.
One call with the owner — local, honest, no pressure. We'll match the program to your Fresno purchase and shop lenders for your Fresno file.