Gilroy, CA
Gilroy home loans, built for Gilroy's market.
Gilroy prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Gilroy actually sells, from Miller Meadows/City Center on out.
How Gilroy buyers reach closing in Gilroy.
Gilroy sits at the southern end of Santa Clara County — Silicon Valley’s most affordable access point within the county’s high-cost zone; its median represents a discount to San Jose while buyers still qualify for high-balance conforming rather than jumbo, and a long-standing food-processing and logistics base complements 101-corridor tech commuters.
Those Gilroy realities set the strategy. For a Gilroy one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Gilroy buyers. Plenty of Gilroy purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Gilroy work for us. Source: FHFA 2026 limits. We’ll verify your numbers.
From Miller Meadows/City Center over to Harvest Park, Gilroy’s 51,000-plus residents sit within minutes of Morgan Hill and Watsonville. Our Gilroy knowledge is street-level — the area around Gilroy Gardens and the Garlic Capital heritage included. Whether the address is in Miller Meadows/City Center, Quail Ridge, Princevalle, and Harvest Park or another Gilroy pocket entirely, the financing follows. Looking for a mortgage broker near you in Gilroy? We serve Gilroy by phone and online, so Gilroy buyers get local-market help without driving anywhere.
What you get with a local broker.
Gilroy market knowledge
Miller Meadows/City Center, Quail Ridge, Princevalle, the streets around Gilroy Gardens and the Garlic Capital heritage — we read Gilroy's price points like locals, because that's how we work it.
High-balance & jumbo ready
Price tags in Gilroy sit above the national norm, so we build high-balance, conventional strategies sized to Gilroy.
Lenders shopped for you
Many lenders bid on each Gilroy file we bring them — Gilroy buyers never shop one shelf.
Owner-handled
Owner Esther Buede guides your Gilroy loan personally — the named expert Gilroy clients would find praised across our Google reviews.
One owner, handling your whole loan.
In Gilroy, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Quail Ridge to all Gilroy — to closing since 2005. Not a call center — one expert on your Gilroy file. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
The right Gilroy loan for your situation.
Demand around Gilroy Gardens and the Garlic Capital heritage keeps high-balance activity steady in Gilroy. The Gilroy playbook usually starts with high-balance, conventional — then we shop whatever your Gilroy file calls for: jumbo, VA, non-QM, FHA, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
Buying your first Gilroy place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Gilroy.
Close to Gilroy, we also help buyers in Morgan Hill, Watsonville, Salinas. Browse our California service areas →
Serving Gilroy as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Gilroy buyers.
How high can a conforming loan go in Gilroy?
Santa Clara County is high-cost, so a Gilroy single-family purchase can reach $1,249,125 and stay conforming. FHFA resets these yearly; we'll verify your Gilroy scenario.
How do Gilroy buyers finance above the conforming limit?
Gilroy's price points mean jumbo and high-balance financing come up constantly on Gilroy files. We map your purchase against the limit first, then make lenders compete for it.
Do you cover all of Gilroy?
Every corner of Gilroy, from Miller Meadows/City Center, Quail Ridge, Princevalle, Harvest Park on out. A Gilroy loan prices off your file, not the neighborhood.
Do you actually know the Gilroy market?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Gilroy loans regularly — your Gilroy file stays owner-handled, phone-and-online, Gilroy to closing.
Do you serve areas near Gilroy?
Of course: Morgan Hill, Watsonville, Salinas run the same as Gilroy files, with each area's numbers checked separately.
Ready for your Gilroy address?
No call center — just Esther. We'll find what fits your Gilroy purchase and do the Gilroy lender legwork.