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.
Where do Hayward buyers find a mortgage broker?
A Hayward buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Hayward loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Hayward home is $1,249,125 (Alameda County, per FHFA). We start every Hayward file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. As a market, Hayward runs above the national norm — consistent with Alameda County’s high-cost status. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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. Choice Home Mortgage has been family-run 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 loans, conventional, and jumbo. Come in at your own pace — buying, exploring a refinance, or comparing paths — begin online or call (949) 522-7310.
Hayward files here lean on high-balance, jumbo, conventional.
Wondering about down-payment help in Hayward? The real 2026 programs, verified — including statewide CalHFA options for Hayward buyers.
Not every Hayward file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and Hayward investors can lean on bridge financing. See Alameda County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. For the county-level view, including which loans fit Alameda County prices, see our Alameda County page.
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?
The 2026 conforming loan limit for a one-unit home in Hayward is $1,249,125, the figure FHFA set for Alameda County. High-cost status lifts the Alameda County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. Two-unit homes in Alameda County have a $1,599,375 conforming limit for 2026.
How do Hayward buyers finance above the conforming limit?
Above $1,249,125, Hayward buyers either take a jumbo loan or raise the down payment until the loan fits under the Alameda County limit. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Alameda County. We shop the loan with many lenders and show you the offers side by side.
Do you cover all of Hayward?
Yes, we cover all of Hayward, including Hayward Hills, Mission-Garin, Downtown Hayward and Tennyson-Alquire. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Owner Esther Buede handles every file by phone and online, Hayward Hills and Tennyson-Alquire included.
Do you actually know the Hayward market?
Yes. A one-unit Hayward home has a $1,249,125 conforming limit for 2026, the FHA limit there is $1,249,125, and every file we take starts from those figures. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan.
What if I'm buying just outside Hayward?
Buying just outside Hayward changes nothing on our side; we also arrange loans in Union City, San Leandro and Fremont. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Hayward file.
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.