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.
Is there a mortgage broker serving Long Beach, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Long Beach is in our service area. Owner Esther Buede handles each Long Beach loan herself and compares many lenders for it, so a Long Beach buyer is not limited to one bank's programs.
For 2026, a one-unit Long Beach home can carry a conforming loan of up to $1,249,125, the Los Angeles County limit FHFA sets, and we check where your Long Beach price falls before you write an offer. The whole process runs by phone and online.
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. Long Beach itself prices above the national norm, which is part of why Los Angeles County carries a high-cost designation. 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.
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. Choice Home Mortgage has been family-run 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 loans, conventional, jumbo, and VA. Start when you’re ready: buying, refinancing your mortgage, or just exploring — start your application here or call (949) 522-7310.
For Long Beach, that usually means high-balance, jumbo.
Short on the down payment for a Long Beach home? Here’s what assistance is genuinely available — statewide CalHFA help covers Long Beach.
Self-employed in Long Beach? We also work with self-employed buyers — 1099 income included, plus DSCR investor loans for Long Beach investors. Los Angeles County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. For the county-level view, including which loans fit Los Angeles County prices, see our Los Angeles County page.
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?
In Long Beach, a one-unit home can carry a conforming loan of up to $1,249,125 for 2026, under FHFA's limit for Los Angeles County. Los Angeles County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
Do Long Beach buyers usually need jumbo financing?
A Long Beach buyer needs a jumbo loan only when the amount borrowed tops $1,249,125, the 2026 Los Angeles 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 Los Angeles County. Your file goes to many lenders, and you see their offers side by side.
What parts of Long Beach do you work in?
Every part of Long Beach, including Belmont Shore, Naples Island, Bixby Knolls and California Heights. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Belmont Shore to California Heights go through owner Esther Buede, by phone and online.
Is Choice Home Mortgage local to Long Beach?
Yes. Our Fountain Valley office is about 14 miles from Long Beach, inside our California service area. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede handles each loan herself. For a one-unit home in Los Angeles County, the 2026 conforming limit is $1,249,125.
Do you cover the towns around Long Beach?
Yes, the towns around Long Beach are covered, including Carson, Lakewood and Torrance. 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 Long Beach file. For a one-unit home in Los Angeles County, the 2026 conforming limit is $1,249,125.
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.