Hayward, CA
Hayward home loans, built for Hayward's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Hayward's price points — not a one-size template.
How Hayward buyers get to the closing table.
Hayward occupies a central East Bay position at the 880/580 junction with BART access to San Francisco, Oakland, and Silicon Valley; Cal State East Bay plus manufacturing, biotech, and logistics support ownership across price points.
That market shapes the loan. Because Alameda County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Hayward 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 Hayward from the ground up — close to Cal State East Bay and the San Mateo-Hayward Bridge. We finance homes across Hayward Hills, Mission-Garin, Downtown Hayward, and Tennyson-Alquire — and every other corner of Hayward. Looking for a mortgage broker near you in Hayward? 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.
Hayward market knowledge
Near Cal State East Bay and the San Mateo-Hayward Bridge, across Hayward Hills, Mission-Garin, Downtown Hayward — we know how Hayward prices and programs actually work.
High-balance & jumbo ready
Hayward runs above the national norm — we structure high-balance, jumbo, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Hayward file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Hayward loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Hayward, 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!”
Hayward financing that fits the home and the borrower.
For Hayward we lean on high-balance, jumbo, 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 Hayward, we also help buyers in Union City, San Leandro, Fremont. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Hayward mortgage questions, answered.
What's the 2026 conforming loan limit in Hayward?
In Alameda 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 Hayward?
Not always. Many Hayward 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 Hayward neighborhoods do you serve?
We serve buyers across Hayward, including Hayward Hills, Mission-Garin, Downtown Hayward. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Hayward?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Hayward and the surrounding area.
Do you serve areas near Hayward?
Yes — we also work with buyers in nearby Union City, San Leandro, Fremont. Same process, local loan-limit details for each.
Let's finance your Hayward home.
Straight answers on your Hayward options, and a broker who shops the whole market so you don't have to.