Gilroy, CA
Gilroy home loans, built for Gilroy's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Gilroy's price points — not a one-size template.
What financing a Gilroy home really takes.
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.
That market shapes the loan. Because Santa Clara County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Gilroy buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Gilroy from the ground up — close to Gilroy Gardens and the Garlic Capital heritage. We finance homes across Miller Meadows/City Center, Quail Ridge, Princevalle, and Harvest Park — and every other corner of Gilroy. Looking for a mortgage broker near you in Gilroy? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Gilroy market knowledge
Near Gilroy Gardens and the Garlic Capital heritage, across Miller Meadows/City Center, Quail Ridge, Princevalle — we know how Gilroy prices and programs actually work.
High-balance & jumbo ready
Gilroy runs above the national norm — we structure high-balance, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Gilroy file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Gilroy loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Gilroy, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
The right Gilroy loan for your situation.
For Gilroy we lean on high-balance, conventional — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Gilroy, we also help buyers in Morgan Hill, Watsonville, Salinas. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Gilroy mortgage questions, answered.
What's the 2026 conforming loan limit in Gilroy?
In Santa Clara County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Gilroy?
Not always. Many Gilroy homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Gilroy neighborhoods do you serve?
We serve buyers across Gilroy, including Miller Meadows/City Center, Quail Ridge, Princevalle. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Gilroy?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Gilroy and the surrounding area.
Do you serve areas near Gilroy?
Yes — we also work with buyers in nearby Morgan Hill, Watsonville, Salinas. Same process, local loan-limit details for each.
Let's finance your Gilroy home.
Talk to the owner directly. We'll map the right loan for your Gilroy home and put lenders in competition for it.