Madera, CA
Buy your first Madera home with confidence.
Your Madera budget picks the program — first-time-buyer, FHA, USDA — and we handle the Madera lender legwork, whether you're eyeing Riverstone or beyond.
How Madera buyers reach closing in Madera.
Madera sits at the geographic center of the San Joaquin Valley with direct Hwy 99 access, an affordable inland alternative for buyers priced out of the Bay Area and Fresno; its agricultural and logistics economy provides stable employment, and master-planned development is adding modern stock to a historically underbuilt area.
That Madera market shapes the loan. The 2026 conforming number for Madera buyers in Madera County is $832,750 — the baseline every Madera file starts from. Since typical Madera prices stay under $832,750, a Madera buyer keeps conventional, FHA, and down-payment-assistance all in play. FHFA sets these limits annually; run your scenario by us.
Some 63,000-plus people live in Madera — Riverstone, North Madera, and between — a short drive from Fresno or Clovis. From the Madera County Courthouse outward, we treat Madera as home turf. Buyers come to us from Riverstone, Tesoro Viejo, Downtown Madera, and North Madera, and from every other part of Madera. If you’re in Madera hunting for a nearby broker: we work Madera loans by phone and online, Madera knowledge included.
What working with us looks like.
Madera market knowledge
Riverstone, Tesoro Viejo, Downtown Madera, over to the Madera County Courthouse — Madera's pockets price differently, and the right program follows the pocket.
First-time & assistance
The Madera starting lineup is usually first-time-buyer, FHA, USDA; we add whichever down-payment help your Madera budget is eligible for.
Lenders shopped for you
As a broker we put many lenders in competition for your Madera file — not one bank's Madera shelf.
Owner-handled
In Madera you get the owner, Esther Buede, personally — no queue for Madera files, and the Madera attention shows in our reviews.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) personally runs each Madera file — Tesoro Viejo or any Madera address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Matched to your Madera purchase, not a template.
Madera’s pull — think the Madera County Courthouse — keeps first-time-buyer work coming. For Madera we lean on first-time-buyer, FHA, USDA — but whatever fits your Madera file, we shop it: VA, non-QM, FHA, conventional, and jumbo. Start when you’re ready: buying, refinancing, or just exploring — apply online or call (949) 522-7310.
Short on the down payment for a Madera home? Here’s what assistance is genuinely available — statewide CalHFA help covers Madera.
Beyond Madera itself, Fresno, Clovis, Merced buyers work with us the same way. Every California city we cover →
A licensed California mortgage broker for Madera: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Madera mortgage questions, answered.
How high can a conforming loan go in Madera?
Madera follows the $832,750 national baseline for 2026; a bigger Madera loan goes jumbo. FHFA-published — we'll check your exact numbers.
How do first-time buyers usually finance a Madera home?
For Madera first-timers the workhorses are FHA, USDA, first-time-buyer. We match Madera buyers to the down-payment and first-time programs their file qualifies for.
Which Madera neighborhoods do you serve?
Every corner of Madera, from Riverstone, Tesoro Viejo, Downtown Madera, North Madera on out. A Madera loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Madera?
Absolutely. Madera is core coverage for a California broker like us (NMLS #2629064); Madera clients work directly with owner Esther Buede remotely.
Do you cover the towns around Madera?
Of course: Fresno, Clovis, Merced run the same as Madera files, with each area's numbers checked separately.
Let's get you home in Madera.
Your Madera plans, the owner's full attention, and a market of lenders shopped on your Madera file's behalf.