Long Beach, CA
Long Beach home loans, built for Long Beach's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Long Beach's price points — not a one-size template.
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.
That market shapes the loan. Because Los Angeles County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Long Beach buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Long Beach from the ground up — close to the Queen Mary and Long Beach waterfront. We finance homes across Belmont Shore, Naples Island, Bixby Knolls, and California Heights — and every other corner of Long Beach. Looking for a mortgage broker near you in Long Beach? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
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
Long Beach runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Long Beach file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Long Beach loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Long Beach, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
The right Long Beach loan for your situation.
For Long Beach we lean on high-balance, jumbo — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Long Beach, we also help buyers in Carson, Lakewood, Torrance. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Long Beach mortgage questions, answered.
What's the 2026 conforming loan limit in Long Beach?
In Los Angeles County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Long Beach?
Not always. Many Long Beach homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Long Beach neighborhoods do you serve?
We serve buyers across Long Beach, including Belmont Shore, Naples Island, Bixby Knolls. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Long Beach?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Long Beach and the surrounding area.
Do you serve areas near Long Beach?
Yes — we also work with buyers in nearby Carson, Lakewood, Torrance. Same process, local loan-limit details for each.
Let's finance your Long Beach home.
Talk to the owner directly. We'll map the right loan for your Long Beach home and put lenders in competition for it.