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.
Can a mortgage broker help me buy in Madera, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Madera, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Madera file best. Esther Buede, the owner, is the person you talk to.
For 2026, a one-unit Madera home can carry a conforming loan of up to $832,750, the Madera County limit FHFA sets, and we check where your Madera price falls before you write an offer. The whole process runs by phone and online.
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. Madera itself prices entry-level. 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 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. Choice Home Mortgage has been family-run 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 financing, conventional, and jumbo. Start when you’re ready: buying, refinancing your mortgage, or just exploring — apply online or call (949) 522-7310.
The programs that come up most for Madera buyers: FHA, USDA, first-time-buyer, down-payment-assistance.
Short on the down payment for a Madera home? Here’s what assistance is genuinely available — statewide CalHFA help covers Madera.
Madera borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s. Madera County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Beyond Madera itself, Fresno, Clovis, Kerman 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?
A conforming loan on a one-unit Madera home can go up to $832,750 in 2026, which is FHFA's limit for Madera County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Madera County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Madera home?
First-time buyers in Madera usually finance with FHA, USDA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Madera County is $541,287, per HUD. USDA loans need no down payment on homes in USDA-eligible areas, for buyers within USDA income limits.
Which Madera neighborhoods do you serve?
All of them, from Riverstone to North Madera; the rest of Madera is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Whether the home is in Riverstone or North Madera, owner Esther Buede handles the loan by phone and online.
Is Choice Home Mortgage local to Madera?
Our office is about 249 miles away in Fountain Valley, so we serve Madera remotely as a California broker. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Applications, documents and updates for Riverstone or North Madera homes all move by phone and online.
Do you cover the towns around Madera?
Yes, the towns around Madera are covered, including Fresno, Clovis and Kerman. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Madera file.
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.