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.
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.
Those Gilroy realities set the strategy. High-cost Santa Clara County gives Gilroy purchases a $1,249,125 conforming limit — extra 2026 headroom on Gilroy homes. So many Gilroy buyers use high-balance or jumbo financing — knowing where a Gilroy purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
Roughly 51,000-plus people call Gilroy home, spread from Miller Meadows/City Center to Harvest Park, with Morgan Hill and Watsonville minutes away. Gilroy Gardens and the Garlic Capital heritage to the Gilroy line — that’s ground we know well. Whether the address is in Miller Meadows/City Center, Quail Ridge, Princevalle, and Harvest Park or another Gilroy pocket entirely, the financing follows. Typing “broker near me” somewhere in Gilroy? Phone and online is how Gilroy files run here — the local read on Gilroy comes with it.
The broker difference, Gilroy edition.
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
We make lenders compete for Gilroy business instead of squeezing Gilroy buyers into a single bank's box.
Owner-handled
Owner Esther Buede guides your Gilroy loan personally — the named expert Gilroy clients would find praised across our Google reviews.
Your loan, one named expert.
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 →
“I am a repeat customer. The service is spectacular.”
Built around your Gilroy home, not a shelf product.
Demand around Gilroy Gardens and the Garlic Capital heritage keeps high-balance activity steady in Gilroy. High-balance, conventional carry most of our Gilroy work — and beyond those, Gilroy buyers get the full menu: jumbo, VA, non-QM, FHA, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
First home in Gilroy? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Gilroy buyers too.
Self-employed in Gilroy? We also work with 1099 and business-owner borrowers — 1099 income included, plus bridge financing for Gilroy investors. Santa Clara County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Close to Gilroy, we also help buyers in Morgan Hill, Watsonville, Salinas. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Gilroy. Equal Housing Opportunity.
Gilroy home-loan questions, straight answers.
Where does the Gilroy conforming loan limit sit for 2026?
Because Santa Clara County counts as high-cost, Gilroy buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Gilroy numbers.
Do Gilroy buyers usually need jumbo financing?
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.
What parts of Gilroy do you work in?
All of Gilroy — including Miller Meadows/City Center, Quail Ridge, Princevalle, Harvest Park. The financing follows you across Gilroy: the loan matches your Gilroy file, never the ZIP.
Is Choice Home Mortgage local to Gilroy?
Yes — we're a family-owned California broker (NMLS #2629064) and Gilroy sits squarely in coverage. Gilroy files run remotely, owner-handled for every Gilroy client.
Do you cover the towns around Gilroy?
Morgan Hill, Watsonville, Salinas — all covered alongside Gilroy, each with its own limit details worked in.
Let's finance your Gilroy home.
Tell us about the Gilroy home you want — we'll match the program and make lenders compete for your Gilroy loan.