Martinez, CA
Martinez home loans, built for Martinez's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Martinez's price points — not a one-size template.
How Martinez buyers get to the closing table.
As the Contra Costa County seat, Martinez combines government-sector employment stability with access to the Richmond-San Rafael bridge corridor and Amtrak Capitol Corridor rail; its historic waterfront and lower price points compared to Walnut Creek and Concord make it a structural undervaluation in one of the Bay Area’s high-cost submarkets.
That market shapes the loan. Because Contra Costa County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Martinez 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 Martinez from the ground up — close to the John Muir National Historic Site. We finance homes across Alhambra Valley, Vine Hill, Franklin Canyon, and Downtown/Historic Waterfront — and every other corner of Martinez. Looking for a mortgage broker near you in Martinez? 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.
Martinez market knowledge
Near the John Muir National Historic Site, across Alhambra Valley, Vine Hill, Franklin Canyon — we know how Martinez prices and programs actually work.
High-balance & jumbo ready
Martinez runs above the national norm — we structure high-balance, jumbo, refinance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Martinez file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Martinez loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Martinez, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Martinez financing that fits the home and the borrower.
For Martinez we lean on high-balance, jumbo, refinance — 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 Martinez, we also help buyers in Concord, Walnut Creek, Pittsburg. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Martinez mortgage questions, answered.
What's the 2026 conforming loan limit in Martinez?
In Contra Costa 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 Martinez?
Not always. Many Martinez 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 Martinez neighborhoods do you serve?
We serve buyers across Martinez, including Alhambra Valley, Vine Hill, Franklin Canyon. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Martinez?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Martinez and the surrounding area.
Do you serve areas near Martinez?
Yes — we also work with buyers in nearby Concord, Walnut Creek, Pittsburg. Same process, local loan-limit details for each.
Let's finance your Martinez home.
Straight answers on your Martinez options, and a broker who shops the whole market so you don't have to.