Hayward, CA
Hayward home loans, built for Hayward's market.
Hayward prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Hayward actually sells, from Hayward Hills on out.
What financing a Hayward home really takes.
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 Hayward market shapes the loan. Alameda County counts as high-cost, so Hayward buyers get a $1,249,125 one-unit ceiling on 2026 Hayward purchases. So many Hayward buyers use high-balance or jumbo financing — knowing where a Hayward purchase lands against that $1,249,125 line is half the work. FHFA sets these limits annually; run your scenario by us.
From Hayward Hills over to Tennyson-Alquire, Hayward’s 151,000-plus residents sit within minutes of Union City and San Leandro. We work Hayward from the ground up — close to Cal State East Bay and the San Mateo-Hayward Bridge. Buyers come to us from Hayward Hills, Mission-Garin, Downtown Hayward, and Tennyson-Alquire, and from every other part of Hayward. Searching “mortgage broker near me” from Hayward? We cover Hayward by phone and online — Hayward-level market help, no office visit.
The broker difference, Hayward edition.
Hayward market knowledge
From Hayward Hills, Mission-Garin, Downtown Hayward to the blocks near Cal State East Bay and the San Mateo-Hayward Bridge — Hayward pricing has a logic, and we work it daily.
High-balance & jumbo ready
Hayward runs above the national norm — we structure jumbo, conventional, high-balance financing around Hayward price points.
Lenders shopped for you
Your Hayward file gets shopped across many lenders — a broker working Hayward, not one bank's sales desk.
Owner-handled
Owner Esther Buede guides your Hayward loan personally — the named expert Hayward clients would find praised across our Google reviews.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) personally runs each Hayward file — Mission-Garin or any Hayward address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your Hayward purchase, not a template.
Demand around Cal State East Bay and the San Mateo-Hayward Bridge keeps jumbo activity steady in Hayward. Jumbo, conventional, high-balance carry most of our Hayward work — and beyond those, Hayward buyers get the full menu: VA, non-QM, FHA, conventional, and jumbo. Come in at your own pace — buying, refinancing, or comparing paths — begin online or call (949) 522-7310.
Wondering about down-payment help in Hayward? The real 2026 programs, verified — including statewide CalHFA options for Hayward buyers.
And around Hayward: Union City, San Leandro, Fremont are all in reach. Browse our California service areas →
Serving Hayward as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Hayward buyers ask us first.
What counts as a conforming loan amount in Hayward?
Alameda County is high-cost, so a Hayward single-family purchase can reach $1,249,125 and stay conforming. FHFA resets these yearly; we'll verify your Hayward scenario.
How do Hayward buyers finance above the conforming limit?
Hayward's price points mean jumbo and high-balance financing come up constantly on Hayward files. We map your purchase against the limit first, then make lenders compete for it.
Do you cover all of Hayward?
Every corner of Hayward, from Hayward Hills, Mission-Garin, Downtown Hayward, Tennyson-Alquire on out. A Hayward loan prices off your file, not the neighborhood.
Do you actually know the Hayward market?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Hayward loans regularly — your Hayward file stays owner-handled, phone-and-online, Hayward to closing.
What if I'm buying just outside Hayward?
Yes — Union City, San Leandro, Fremont are all in reach from Hayward. Same process; each area's own loan-limit details applied.
Ready for your Hayward address?
Talk to the owner directly. We'll map the right loan for your Hayward home and put lenders in competition for Hayward business.