Modesto, CA
Your Modesto mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Modesto — clear guidance from pre-approval through closing.
Modesto home loans, the honest version.
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.
That market shapes the loan. In Stanislaus County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Modesto purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Modesto from the ground up — close to the Gallo Center for the Arts. We finance homes across Downtown Modesto, College Area, Del Rio, and La Loma — and every other corner of Modesto. Looking for a mortgage broker near you in Modesto? 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.
Modesto market knowledge
Near the Gallo Center for the Arts, across Downtown Modesto, College Area, Del Rio — we know Modesto's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Modesto buyers often start with FHA, first-time-buyer, conventional — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Modesto file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Modesto loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Modesto, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Matched to your Modesto purchase, not a template.
For Modesto we lean on FHA, first-time-buyer, conventional — 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 Modesto, we also help buyers in Ceres, Manteca, Turlock. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Modesto mortgage questions, answered.
What's the 2026 conforming loan limit in Modesto?
In Stanislaus County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Modesto?
Most Modesto buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Modesto neighborhoods do you serve?
We serve buyers across Modesto, including Downtown Modesto, College Area, Del Rio. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Modesto?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Modesto and the surrounding area.
Do you serve areas near Modesto?
Yes — we also work with buyers in nearby Ceres, Manteca, Turlock. Same process, local loan-limit details for each.
Let's finance your Modesto home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Modesto purchase and shop the lenders for you.