Long Beach, CA
Long Beach home loans, built for Long Beach's market.
The right Long Beach loan respects Long Beach prices — high-balance, jumbo, refinance — structured for Belmont Shore and every Long Beach block from day one.
What financing a Long Beach home really takes.
Long Beach combines port-city economic diversity with beachfront desirability and LA-metro access; LA County’s high-cost designation places most single-family purchases in high-balance conforming territory.
Financing follows that Long Beach math. High-cost Los Angeles County gives Long Beach purchases a $1,249,125 conforming limit — extra 2026 headroom on Long Beach homes. Plenty of Long Beach purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Long Beach work for us. FHFA sets these limits annually; run your scenario by us.
Some 469,000-plus people live in Long Beach — Belmont Shore, California Heights, and between — a short drive from Carson or Lakewood. Long Beach isn’t an abstraction to us — we know it down to the Queen Mary and Long Beach waterfront. Whether the address is in Belmont Shore, Naples Island, Bixby Knolls, and California Heights or another Long Beach pocket entirely, the financing follows. Typing “broker near me” somewhere in Long Beach? Phone and online is how Long Beach files run here — the local read on Long Beach comes with it.
The broker difference, Long Beach edition.
Long Beach market knowledge
Near the Queen Mary and Long Beach waterfront, across Belmont Shore, Naples Island, Bixby Knolls — we know how Long Beach prices and programs actually work.
High-balance & jumbo ready
Price tags in Long Beach sit above the national norm, so we build high-balance, jumbo strategies sized to Long Beach.
Lenders shopped for you
We make lenders compete for Long Beach business instead of squeezing Long Beach buyers into a single bank's box.
Owner-handled
Your Long Beach file is handled by owner Esther Buede herself — in Long Beach or Carson, hers is the name buyers recognize from our reviews.
The owner works your file. Personally.
Owner Esther Buede (individual NMLS #2003644) personally runs each Long Beach file — Naples Island or any Long Beach address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
The right Long Beach loan for your situation.
Near the Queen Mary and Long Beach waterfront, high-balance files are a Long Beach staple for us. For Long Beach we lean on high-balance, jumbo — but whatever fits your Long Beach file, we shop it: non-QM, FHA, conventional, jumbo, and VA. Start when you’re ready: buying, refinancing, or just exploring — start your application here or call (949) 522-7310.
Short on the down payment for a Long Beach home? Here’s what assistance is genuinely available — statewide CalHFA help covers Long Beach.
And around Long Beach: Carson, Lakewood, Torrance are all in reach. Browse our California service areas →
Serving Long Beach as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Long Beach mortgage questions, answered.
What's the 2026 conforming loan limit in Long Beach?
Up to $1,249,125 stays conforming on a Long Beach single-family home in 2026. Source: FHFA; we'll run your exact Long Beach scenario.
Do Long Beach buyers usually need jumbo financing?
Often, yes — Long Beach prices push many Long Beach purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Long Beach file around where the price lands.
What parts of Long Beach do you work in?
Every corner of Long Beach, from Belmont Shore, Naples Island, Bixby Knolls, California Heights on out. A Long Beach loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Long Beach?
Absolutely. Long Beach is core coverage for a California broker like us (NMLS #2629064); Long Beach clients work directly with owner Esther Buede remotely.
Do you cover the towns around Long Beach?
Of course: Carson, Lakewood, Torrance run the same as Long Beach files, with each area's numbers checked separately.
Ready for your Long Beach address?
Talk to the owner directly. We'll map the right loan for your Long Beach home and put lenders in competition for Long Beach business.