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.
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. (San Bernardino County is baseline; not all CA is high-cost.)
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. Source: FHFA 2026 limits. We’ll verify your numbers.
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, as she’s done 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, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
Short on the down payment for a Montclair home? Here’s what assistance is genuinely available — statewide CalHFA help covers Montclair.
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?
Montclair follows the $832,750 national baseline for 2026; a bigger Montclair loan goes jumbo. FHFA-published — we'll check your exact numbers.
Which programs fit Montclair first-time buyers?
For Montclair first-timers the workhorses are conventional, FHA, move-up. We match Montclair buyers to the down-payment and first-time programs their file qualifies for.
Which Montclair neighborhoods do you serve?
All of Montclair — including Monte Vista, Mission Boulevard corridor, Indian Hill, Downtown/Montclair Place. The financing follows you across Montclair: the loan matches your Montclair file, never the ZIP.
Can you handle my Montclair purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Montclair loans regularly — your Montclair file stays owner-handled, phone-and-online, Montclair to closing.
Do you serve areas near Montclair?
Of course: Pomona, Chino, Ontario run the same as Montclair files, with each area's numbers checked separately.
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.