Madera, CA
Buy your first Madera home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Madera budgets. We walk you through every step.
How Madera buyers get to the closing table.
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 market shapes the loan. In Madera County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Madera purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and USDA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Madera from the ground up — close to the Madera County Courthouse. We finance homes across Riverstone, Tesoro Viejo, Downtown Madera, and North Madera — and every other corner of Madera. Looking for a mortgage broker near you in Madera? 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.
Madera market knowledge
Near the Madera County Courthouse, across Riverstone, Tesoro Viejo, Downtown Madera — we know Madera's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Madera buyers often start with FHA, USDA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Madera file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Madera loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Madera, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Madera financing that fits the home and the borrower.
For Madera we lean on FHA, USDA, first-time-buyer — 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 Madera, we also help buyers in Fresno, Clovis, Merced. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Madera mortgage questions, answered.
What's the 2026 conforming loan limit in Madera?
In Madera County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Madera?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Madera. We match you to the ones you qualify for.
Which Madera neighborhoods do you serve?
We serve buyers across Madera, including Riverstone, Tesoro Viejo, Downtown Madera. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Madera?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Madera and the surrounding area.
Do you serve areas near Madera?
Yes — we also work with buyers in nearby Fresno, Clovis, Merced. Same process, local loan-limit details for each.
Let's finance your Madera home.
Straight answers on your Madera options, and a broker who shops the whole market so you don't have to.