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.
Who can help me get a mortgage in Gilroy, CA?
Choice Home Mortgage arranges home loans for Gilroy buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Gilroy file from the first call to closing.
The 2026 conforming limit for a one-unit Gilroy home is $1,249,125 (Santa Clara County, per FHFA). We start every Gilroy file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. Gilroy’s price tier is above the national norm, the same reality behind Santa Clara County’s high-cost limit. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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. Not a call center — one expert on your Gilroy file. Choice Home Mortgage has been a family brokerage since 2005. 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.
For Gilroy, that usually means high-balance, conventional.
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. We serve the wider county too: mortgage help across Santa Clara County.
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?
A conforming loan on a one-unit Gilroy home can go up to $1,249,125 in 2026, which is FHFA's limit for Santa Clara County. High-cost status lifts the Santa Clara County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming.
Do Gilroy buyers usually need jumbo financing?
A Gilroy buyer needs a jumbo loan only when the amount borrowed tops $1,249,125, the 2026 Santa Clara County limit; at or below it, the loan stays conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Santa Clara County. We shop the loan with many lenders and show you the offers side by side.
What parts of Gilroy do you work in?
Every part of Gilroy, including Miller Meadows/City Center, Quail Ridge, Princevalle and Harvest Park. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. A Miller Meadows/City Center address and a Harvest Park address get the same lender shopping from us.
Is Choice Home Mortgage local to Gilroy?
Our office is about 306 miles away in Fountain Valley, so we serve Gilroy remotely as a California broker. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede takes Miller Meadows/City Center and Harvest Park files by phone and online, application to closing.
Do you cover the towns around Gilroy?
Yes, the towns around Gilroy are covered, including Morgan Hill, Watsonville and Salinas. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Gilroy file.
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.