Los Angeles County, California
The county-level mortgage broker.
From the Antelope Valley to the South Bay, LA County is really a dozen markets wearing one name. Choice Home Mortgage has been closing loans since 2005 — shopping hundreds of lenders, guided by the owner herself.
Is there a mortgage broker serving Los Angeles County, CA?
Yes — Choice Home Mortgage serves buyers and homeowners across Los Angeles County, including Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster. We are a family-owned broker rather than a bank, so instead of selling one company's own product we put hundreds of lenders in competition for your file and bring you the one that actually fits.
For 2026 the one-unit conforming limit in Los Angeles County is $1,249,125, because Los Angeles County is a designated high-cost area, and the FHA limit matches it exactly at $1,249,125. That parity is unusual — in most counties the FHA ceiling sits well below conforming — so the figure quoted to you from a statewide table is often wrong. Above $1,249,125 you move into jumbo territory, which carries its own guidelines and its own underwriting.
Everything runs by phone and online on your schedule, with owner Esther Buede handling your loan personally from the first call through closing.
What Los Angeles County buyers can actually borrow.
Loan limits are set county by county, not statewide — which is why the figure an out-of-area lender quotes is so often wrong. For 2026 in Los Angeles County, CA, the one-unit conforming limit is $1,249,125 (Los Angeles County is a designated high-cost area).
In Los Angeles County the conforming and FHA one-unit limits happen to match at $1,249,125. That is unusual — in most counties they differ, sometimes by hundreds of thousands — so it is always worth checking the county rather than assuming a statewide figure. Above $1,249,125 you are in jumbo territory.
Multi-unit conforming limits run higher: $1,599,375 for two units, $1,933,200 for three, and $2,402,625 for four. See the full breakdown on our Los Angeles County loan-limit page.
Every corner of Los Angeles County.
We work across Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster, Palmdale, Pomona, Torrance, Pasadena, El Monte, Downey, Inglewood, West Covina, Norwalk, Burbank, Compton, South Gate, Carson, Santa Monica, Whittier, Hawthorne, Alhambra, Lakewood, Bellflower, Baldwin Park, Lynwood, Redondo Beach, Pico Rivera, Montebello, Monterey Park, Gardena, Huntington Park, Arcadia, Diamond Bar, Paramount, Rosemead, Glendora, Cerritos, La Mirada, Covina, Azusa, Bell Gardens, Rancho Palos Verdes, La Puente, San Gabriel, Culver City, Monrovia — by phone and online, on your schedule. See all the areas we serve →
Whatever the scenario, there is usually a loan for it: FHA for lower down payments and flexible credit, conventional for strong-credit buyers, jumbo above the county limit, VA for those who qualify, non-QM for self-employed income, and reverse mortgages for homeowners 62+. Start here.
Los Angeles County mortgage questions, answered.
What are the 2026 conforming loan limits in Los Angeles County?
For 2026 the one-unit conforming limit in Los Angeles County, CA is $1,249,125 — Los Angeles County is a designated high-cost area, so the limit sits above the national baseline. Multi-unit conforming limits run higher: $1,599,375 for two units, $1,933,200 for three, and $2,402,625 for four. Anything above the one-unit conforming limit is a jumbo loan with its own guidelines.
Is the FHA loan limit in Los Angeles County the same as the conforming limit?
In Los Angeles County they happen to match: both the 2026 conforming and FHA one-unit limits are $1,249,125. That is not true in most counties — in many the FHA figure is hundreds of thousands lower — so it is always worth confirming the number for the specific county you are buying in rather than assuming a statewide figure.
Which Los Angeles County cities do you serve?
We work with buyers and homeowners across Los Angeles County, including Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster, Palmdale, Pomona, Torrance, Pasadena, El Monte, and the surrounding communities. Everything runs by phone and online on your schedule — you do not need to come to an office.
Why does the county matter if the purchase price is the same?
Because loan limits are set county by county, not statewide — two homes at an identical price can qualify for different loans depending on which county line they fall on. In Los Angeles County the figure that matters is $1,249,125, which applies to both conforming and FHA financing here. It is also why a quote based on a statewide or national figure is so often wrong for this county.
Why use a broker instead of a big bank?
A bank can only offer its own loans. As a broker, Choice Home Mortgage puts hundreds of lenders in competition for your file — and having closed loans since 2005, we know which lenders are realistic in Los Angeles County. You also get one named person, owner Esther Buede, from application through closing instead of a call-center queue.
Let's finance your Los Angeles County home.
One call with the owner — honest, and no pressure. We'll confirm the exact Los Angeles County limits for your price point and shop the lenders for you.