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.
Is there a mortgage broker serving Fresno, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Fresno is in our service area. Owner Esther Buede handles each Fresno loan herself and compares many lenders for it, so a Fresno buyer is not limited to one bank's programs.
For Fresno, FHFA's 2026 one-unit limit is $832,750 (Fresno County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. As a market, Fresno runs entry-level. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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). The family brokerage dates to 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, an FHA loan, conventional, jumbo, and VA. Come in at your own pace — buying, refinancing, or comparing paths — start your application here or call (949) 522-7310.
The programs that come up most for Fresno buyers: FHA, first-time-buyer, down-payment-assistance.
If the down payment is the wall between you and a Fresno home, read what assistance actually exists right now — CalHFA reaches Fresno.
Self-employed in Fresno? We also work with self-employed buyers — 1099 income included, plus DSCR investor loans for Fresno investors. Fresno County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
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?
A conforming loan on a one-unit Fresno home can go up to $832,750 in 2026, which is FHFA's limit for Fresno County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Fresno County conforming limit is $1,066,250.
What loans help first-time buyers in Fresno?
First-time buyers in Fresno most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Fresno County can go to $541,287 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Which Fresno neighborhoods do you serve?
All of them, from Tower District to Old Fig Garden; the rest of Fresno is covered too. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Owner Esther Buede handles every file by phone and online, Tower District and Old Fig Garden included.
Can you handle my Fresno purchase remotely?
Yes. Owner Esther Buede handles Fresno 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 Fresno County conforming limit for one unit is $832,750 in 2026.
Do you cover the towns around Fresno?
Yes, the towns around Fresno are covered, including Clovis, Madera and Hanford. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Fresno file. The Fresno County conforming limit for one unit is $832,750 in 2026.
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.