Modesto, CA
Your Modesto mortgage, done right.
We fit the loan to your Modesto plans — first-time-buyer, conventional, FHA and more — walking Modesto buyers through it, Downtown Modesto to closing day.
Is there a mortgage broker serving Modesto, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Modesto is in our service area. Owner Esther Buede handles each Modesto loan herself and compares many lenders for it, so a Modesto buyer is not limited to one bank's programs.
For Modesto, FHFA's 2026 one-unit limit is $832,750 (Stanislaus County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Modesto mortgage market.
Modesto is the largest inland Central Valley city within a two-hour commute of the Bay Area, making it a persistent destination for price-driven buyers; its stock is predominantly owner-occupied single-family well below the statewide median.
Financing follows that Modesto math. For Modesto, 2026 conforming tops out at Stanislaus County’s $832,750 baseline on one-unit Modesto homes. Most Modesto purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Modesto buyers. Modesto’s price tier is solidly middle-of-market. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
Some 204,000-plus people live in Modesto — Downtown Modesto, La Loma, and between — a short drive from Ceres or Manteca. Ask us about Modesto blocks near the Gallo Center for the Arts — that’s the level we work at. Buyers come to us from Downtown Modesto, College Area, Del Rio, and La Loma, and from every other part of Modesto. A Modesto broker without the drive: we handle Modesto loans by phone and online, and the Modesto market knowledge travels with us.
The broker difference, Modesto edition.
Modesto market knowledge
We work Modesto street by street — Downtown Modesto, College Area, Del Rio and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
The Modesto starting lineup is usually first-time-buyer, conventional, FHA; we add whichever down-payment help your Modesto budget is eligible for.
Lenders shopped for you
Modesto loans here go to whichever lender earns them — we shop the Modesto file wide.
Owner-handled
Esther Buede — the owner — works your Modesto loan start to finish; our Google reviews show Modesto buyers why that matters.
Modesto's file, the owner's desk.
Owner Esther Buede (individual NMLS #2003644) personally runs each Modesto file — College Area or any Modesto address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Modesto purchase, not a template.
Modesto’s pull — think the Gallo Center for the Arts — keeps first-time-buyer work coming. The Modesto playbook usually starts with first-time-buyer, conventional, FHA — then we shop whatever your Modesto file calls for: conventional, jumbo, VA, non-QM, and FHA. Jump in at any stage: buying, exploring a refinance, or just running numbers — apply online or call (949) 522-7310.
For Modesto, that usually means FHA, first-time-buyer, conventional.
If the down payment is the wall between you and a Modesto home, read what assistance actually exists right now — CalHFA reaches Modesto.
Self-employed in Modesto? We also work with borrowers who work for themselves — 1099 income included, plus bridge financing for Modesto investors. See Stanislaus County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
And around Modesto: Ceres, Manteca, Turlock are all in reach. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Modesto. Equal Housing Opportunity.
Modesto mortgage questions, answered.
Where does the Modesto conforming loan limit sit for 2026?
The 2026 number covering Modesto is $832,750 on a single-family home; above it, jumbo guidelines apply to Modesto purchases. Per FHFA; confirm with us.
What loans help first-time buyers in Modesto?
FHA, first-time-buyer, conventional do the heavy lifting for Modesto first-timers. We sort which fit your numbers, plus any assistance your Modesto file earns.
Do you cover all of Modesto?
We work Modesto citywide — Downtown Modesto, College Area, Del Rio, La Loma included. Where in Modesto you buy doesn't change how hard we shop.
Is Choice Home Mortgage local to Modesto?
Yes — we're a family-owned California broker (NMLS #2629064) and Modesto sits squarely in coverage. Modesto files run remotely, owner-handled for every Modesto client.
Do you serve areas near Modesto?
We do. Buyers in Ceres, Manteca and Turlock get the same process as Modesto buyers: the owner on the file, many lenders compared, and the local county limit checked before anything is quoted.
Your Modesto keys are the goal.
No call center — just Esther. We'll find what fits your Modesto purchase and do the Modesto lender legwork.