Martinez, CA
Martinez home loans, built for Martinez's market.
From jumbo to move-up money, Martinez loans get built around real Martinez price tags, Alhambra Valley included.
Is there a mortgage broker serving Martinez, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Martinez is in our service area. Owner Esther Buede handles each Martinez loan herself and compares many lenders for it, so a Martinez buyer is not limited to one bank's programs.
The 2026 conforming limit for a one-unit Martinez home is $1,249,125 (Contra Costa County, per FHFA). We start every Martinez file by placing the price against that number, then handle the application, documents and updates by phone and online.
How Martinez buyers reach closing in Martinez.
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.
The loan has to fit the Martinez picture. For a Martinez one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Martinez buyers. So many Martinez buyers use high-balance or jumbo financing — knowing where a Martinez purchase lands against that $1,249,125 line is half the work. Martinez itself prices above the national norm, which is part of why Contra Costa County carries a high-cost designation. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
From Alhambra Valley over to Downtown/Historic Waterfront, Martinez’s 37,000-plus residents sit within minutes of Concord and Walnut Creek. Our Martinez knowledge is street-level — the area around the John Muir National Historic Site included. Whether the address is in Alhambra Valley, Vine Hill, Franklin Canyon, and Downtown/Historic Waterfront or another Martinez pocket entirely, the financing follows. Looking for a mortgage broker near you in Martinez? We serve Martinez by phone and online, so Martinez buyers get local-market help without driving anywhere.
How we work Martinez loans.
Martinez market knowledge
From Alhambra Valley, Vine Hill, Franklin Canyon to the blocks near the John Muir National Historic Site — Martinez pricing has a logic, and we work it daily.
High-balance & jumbo ready
High-balance, jumbo, refinance — that's the Martinez toolkit, because Martinez prices above the national norm and the financing keeps up.
Lenders shopped for you
As a broker we put many lenders in competition for your Martinez file — not one bank's Martinez shelf.
Owner-handled
Owner Esther Buede guides your Martinez loan personally — the named expert Martinez clients would find praised across our Google reviews.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Martinez file — Vine Hill or any Martinez address — first call to keys. Choice Home Mortgage has been family-run since 2005. 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.
Martinez’s pull — think the John Muir National Historic Site — keeps high-balance work coming. Martinez files most often land on high-balance, jumbo, refinance — and past those, every Martinez option gets shopped: VA, non-QM, FHA, conventional, and jumbo. Jump in at any stage: buying, refinancing, or just running numbers — apply online or call (949) 522-7310.
The programs that come up most for Martinez buyers: high-balance, jumbo, refinance.
Martinez first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Martinez 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Martinez investors have no-income investor financing too. Want every unit count, not just single-family? Contra Costa County’s 2026 loan limits page has the full table. For the county-level view, including which loans fit Contra Costa County prices, see our Contra Costa County page.
Beyond Martinez itself, Concord, Walnut Creek, Pittsburg buyers work with us the same way. See all California cities we serve →
A licensed California mortgage broker for Martinez: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Martinez buyers.
How high can a conforming loan go in Martinez?
In Martinez, a one-unit home can carry a conforming loan of up to $1,249,125 for 2026, under FHFA's limit for Contra Costa County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost Contra Costa County; above $1,249,125, the loan is jumbo. For two units, the Contra Costa County conforming limit is $1,599,375.
How do Martinez buyers finance above the conforming limit?
Above $1,249,125, Martinez buyers either take a jumbo loan or raise the down payment until the loan fits under the Contra Costa County limit. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Contra Costa County. Choice Home Mortgage compares offers from many lenders on each loan.
What parts of Martinez do you work in?
Every part of Martinez, including Alhambra Valley, Vine Hill, Franklin Canyon and Downtown/Historic Waterfront. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. An Alhambra Valley address and a Downtown/Historic Waterfront address get the same lender shopping from us.
Is Choice Home Mortgage local to Martinez?
Our office is about 376 miles away in Fountain Valley, so we serve Martinez 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. Owner Esther Buede takes Alhambra Valley and Downtown/Historic Waterfront files by phone and online, application to closing.
Do you serve areas near Martinez?
Yes. Besides Martinez, we also arrange loans in Concord, Walnut Creek and Pittsburg. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Martinez file. FHFA's 2026 one-unit limit for Contra Costa County is $1,249,125.
Let's get you home in Martinez.
One call with the owner — local, honest, no pressure. We'll match the program to your Martinez purchase and shop lenders for your Martinez file.