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.
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. Source: FHFA 2026 limits. We’ll verify your numbers.
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, as she’s done 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, refinancing, or just running numbers — apply online or call (949) 522-7310.
If the down payment is the wall between you and a Modesto home, read what assistance actually exists right now — CalHFA reaches Modesto.
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, Turlock work with us like Modesto buyers do, local limits checked for each.
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.