Huntington Beach, CA
Huntington Beach home loans, built for Huntington Beach's market.
The right Huntington Beach loan respects Huntington Beach prices — high-balance, jumbo, refinance — structured for Downtown/Pier and every Huntington Beach block from day one.
Where do Huntington Beach buyers find a mortgage broker?
A Huntington Beach 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 Huntington Beach loan, and owner Esther Buede runs the file personally.
For 2026, a one-unit Huntington Beach home can carry a conforming loan of up to $1,249,125, the Orange County limit FHFA sets, and we check where your Huntington Beach price falls before you write an offer. The whole process runs by phone and online.
What financing a Huntington Beach home really takes.
Huntington Beach is a supply-constrained coastal market bordered by the ocean and built-out neighbors, limiting new inventory to infill; 9.5 miles of coastline, surf culture, and OC schools support persistent demand across cycles.
Those Huntington Beach realities set the strategy. High-cost Orange County gives Huntington Beach purchases a $1,249,125 conforming limit — extra 2026 headroom on Huntington Beach homes. Plenty of Huntington Beach purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Huntington Beach work for us. Huntington Beach’s price tier is among the priciest in California, the same reality behind Orange County’s high-cost limit. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Huntington Beach holds 197,000-plus residents across pockets like Downtown/Pier and South Huntington Beach, with Westminster and Fountain Valley right next door. Huntington Beach isn’t an abstraction to us — we know it down to the Huntington Beach Pier. Whether the address is in Downtown/Pier, Huntington Harbour, Bolsa Chica/Seacliff, and South Huntington Beach or another Huntington Beach pocket entirely, the financing follows. Looking for a mortgage broker near you in Huntington Beach? We serve Huntington Beach by phone and online, so Huntington Beach buyers get local-market help without driving anywhere.
What Huntington Beach buyers should know
Huntington Beach’s median owner-occupied home value was $1,163,800 in the 2024 American Community Survey, under Orange County’s $1,249,125 conforming limit. At that value, a loan up to $1,249,125 can be a high-balance conforming loan instead of a jumbo; high-balance loans generally need at least 5% down. Source: U.S. Census Bureau ACS 2024, via Census Reporter.
High schoolers are assigned by home address to one of six campuses in the Huntington Beach Union High School District: Edison, Fountain Valley, Huntington Beach, Marina, Ocean View and Westminster. If a particular school matters to you, check the address before you write an offer. Source: Huntington Beach Union High School District.
Huntington Beach’s Inclusionary Housing Program sells price-restricted homes to qualifying low-, moderate- and middle-income households. The City sets both the sale and resale prices from area income levels, not market value. Source: City of Huntington Beach.
What working with us looks like.
Huntington Beach market knowledge
Near the Huntington Beach Pier, across Downtown/Pier, Huntington Harbour, Bolsa Chica/Seacliff — we know how Huntington Beach prices and programs actually work.
High-balance & jumbo ready
Price tags in Huntington Beach sit at the top of the California market, so we build jumbo, high-balance strategies sized to Huntington Beach.
Lenders shopped for you
We make lenders compete for Huntington Beach business instead of squeezing Huntington Beach buyers into a single bank's box.
Owner-handled
Your Huntington Beach file is handled by owner Esther Buede herself — in Huntington Beach or Westminster, hers is the name buyers recognize from our reviews.
One expert, application to keys.
Every Huntington Beach file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Huntington Beach plans — Huntington Harbour or anywhere Huntington Beach — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your Huntington Beach purchase, not a template.
Near the Huntington Beach Pier, jumbo files are a Huntington Beach staple for us. For Huntington Beach we lean on jumbo, high-balance — but whatever fits your Huntington Beach file, we shop it: non-QM, FHA, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing your mortgage, or still weighing options — begin online or call (949) 522-7310.
The programs that come up most for Huntington Beach buyers: jumbo, high-balance.
Buying your first Huntington Beach place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Huntington Beach.
Huntington Beach 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s; Huntington Beach investors have bridge financing too. Orange County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
And around Huntington Beach: Westminster, Fountain Valley, Stanton are all in reach. Every California city we cover →
Serving Huntington Beach as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Huntington Beach buyers.
What's the 2026 conforming loan limit in Huntington Beach?
The 2026 conforming loan limit for a one-unit home in Huntington Beach is $1,249,125, the figure FHFA set for Orange County. Because Orange County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
Do Huntington Beach buyers usually need jumbo financing?
A Huntington Beach buyer needs a jumbo loan only when the amount borrowed tops $1,249,125, the 2026 Orange County limit; at or below it, the loan stays conforming. A loan between the $832,750 national baseline and $1,249,125 is high-balance conforming in Orange County. We shop the loan with many lenders and show you the offers side by side.
What parts of Huntington Beach do you work in?
Every part of Huntington Beach, including Downtown/Pier, Huntington Harbour, Bolsa Chica/Seacliff and South Huntington Beach. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Loans from Downtown/Pier to South Huntington Beach go through owner Esther Buede, by phone and online.
Do you actually know the Huntington Beach market?
Yes. We price Huntington Beach loans off the 2026 Orange County figures, $1,249,125 conforming and $1,249,125 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Huntington Beach buyers work with owner Esther Buede herself.
What if I'm buying just outside Huntington Beach?
Buying just outside Huntington Beach changes nothing on our side; we also arrange loans in Westminster, Fountain Valley and Stanton. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Huntington Beach file.
Your Huntington Beach keys are the goal.
Your Huntington Beach plans, the owner's full attention, and a market of lenders shopped on your Huntington Beach file's behalf.