Montclair, CA
Your Montclair mortgage, done right.
Real Montclair prices, real programs — conventional, FHA, move-up — matched to what your Montclair file qualifies for, in Monte Vista and citywide.
Is there a mortgage broker serving Montclair, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Montclair is in our service area. Owner Esther Buede handles each Montclair loan herself and compares many lenders for it, so a Montclair buyer is not limited to one bank's programs.
The 2026 conforming limit for a one-unit Montclair home is $832,750 (San Bernardino County, per FHFA). We start every Montclair file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Montclair home really takes.
Montclair anchors the Pomona Valley at the western edge of the Inland Empire, with direct Metrolink and planned Foothill Gold Line access giving it transit connectivity rare in inland SoCal; buyers seeking LA-area employment without LA-area prices find conventional eligibility within the baseline limit.
Those Montclair realities set the strategy. In San Bernardino County, a Montclair one-unit purchase conforms up to 2026’s $832,750 baseline for Montclair files. That $832,750 ceiling covers most Montclair price points — conventional, FHA, move-up all stay on the Montclair table. Montclair itself prices 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 13, 2026.
Roughly 38,000-plus people call Montclair home, spread from Monte Vista to Downtown/Montclair Place, with Pomona and Chino minutes away. Montclair isn’t an abstraction to us — we know it down to Montclair Place. Whether the address is in Monte Vista, Mission Boulevard corridor, Indian Hill, and Downtown/Montclair Place or another Montclair pocket entirely, the financing follows. Typing “broker near me” somewhere in Montclair? Phone and online is how Montclair files run here — the local read on Montclair comes with it.
How we work Montclair loans.
Montclair market knowledge
Near Montclair Place, across Monte Vista, Mission Boulevard corridor, Indian Hill — we know Montclair's neighborhoods, prices, and the programs that fit them.
First-time & assistance
The Montclair starting lineup is usually conventional, FHA, move-up; we add whichever down-payment help your Montclair budget is eligible for.
Lenders shopped for you
We make lenders compete for Montclair business instead of squeezing Montclair buyers into a single bank's box.
Owner-handled
Your Montclair file is handled by owner Esther Buede herself — in Montclair or Pomona, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Owner Esther Buede (individual NMLS #2003644) personally runs each Montclair file — Mission Boulevard corridor or any Montclair address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Montclair loan for your situation.
Near Montclair Place, conventional files are a Montclair staple for us. The Montclair playbook usually starts with conventional, FHA, move-up — then we shop whatever your Montclair file calls for: FHA financing, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
For Montclair, that usually means conventional, FHA, move-up.
Short on the down payment for a Montclair home? Here’s what assistance is genuinely available — statewide CalHFA help covers Montclair.
Self-employed in Montclair? We also work with 1099 and business-owner borrowers — bank-statement income included. The full San Bernardino County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. For the county-level view, including which loans fit San Bernardino County prices, see our San Bernardino County page.
Beyond Montclair itself, Pomona, Chino, Ontario buyers work with us the same way. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker serving Montclair — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Montclair buyers.
Where does the Montclair conforming loan limit sit for 2026?
A conforming loan on a one-unit Montclair home can go up to $832,750 in 2026, which is FHFA's limit for San Bernardino County. San Bernardino County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Which programs fit Montclair first-time buyers?
Conventional and FHA loans fit most first-time buyers in Montclair, and the right one depends on your credit score and down payment. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in San Bernardino County can go to $690,000 in 2026 (HUD).
Which Montclair neighborhoods do you serve?
All of them, from Monte Vista to Downtown/Montclair Place; the rest of Montclair is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Loans from Monte Vista to Downtown/Montclair Place go through owner Esther Buede, by phone and online.
Can you handle my Montclair purchase remotely?
Yes. Owner Esther Buede handles Montclair purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for San Bernardino County is $832,750.
Do you serve areas near Montclair?
Yes. Besides Montclair, we also arrange loans in Pomona, Chino and Ontario. 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 Montclair file. FHFA's 2026 one-unit limit for San Bernardino County is $832,750.
Ready for your Montclair address?
Talk to the owner directly. We'll map the right loan for your Montclair home and put lenders in competition for Montclair business.