Montebello, CA
Your Montebello mortgage, done right.
Real Montebello prices, real programs — jumbo for hillside estates, high-balance, FHA — matched to what your Montebello file qualifies for, in Montebello Hills and citywide.
Can a mortgage broker help me buy in Montebello, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Montebello, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Montebello file best. Esther Buede, the owner, is the person you talk to.
For Montebello, FHFA's 2026 one-unit limit is $1,249,125 (Los Angeles County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
How Montebello buyers reach closing in Montebello.
Montebello’s Metro light rail to downtown LA, combined with its junction of the 60, 5, and 605 freeways, makes it one of the most transit-accessible mid-density markets in the San Gabriel Valley; its median sits at a discount to adjacent Monterey Park and Alhambra while offering larger lots and a growing new-construction pipeline.
The loan has to fit the Montebello picture. For a Montebello one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Montebello buyers. So many Montebello buyers use high-balance or jumbo financing — knowing where a Montebello purchase lands against that $1,249,125 line is half the work. Montebello itself prices solidly middle-of-market, which is part of why Los Angeles County carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 63,000-plus people live in Montebello — Montebello Hills, Montebello Northeast, and between — a short drive from Pico Rivera or Monterey Park. Montebello isn’t an abstraction to us — we know it down to the Montebello Town Center and Lugo Park. Buyers come to us from Montebello Hills, North End, Metro Heights, and Montebello Northeast, and from every other part of Montebello. Typing “broker near me” somewhere in Montebello? Phone and online is how Montebello files run here — the local read on Montebello comes with it.
The broker difference, Montebello edition.
Montebello market knowledge
Near the Montebello Town Center and Lugo Park, across Montebello Hills, North End, Metro Heights — we know Montebello's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Montebello buyers often start with jumbo for hillside estates, high-balance, FHA — we match Montebello files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
We make lenders compete for Montebello business instead of squeezing Montebello buyers into a single bank's box.
Owner-handled
Owner Esther Buede guides your Montebello loan personally — the named expert Montebello clients would find praised across our Google reviews.
One name on every Montebello loan.
Your Montebello loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Montebello loan — from North End across the Montebello map. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Built around your Montebello home, not a shelf product.
Montebello’s pull — think the Montebello Town Center and Lugo Park — keeps jumbo for hillside estates work coming. Montebello files most often land on jumbo for hillside estates, high-balance, FHA — and past those, every Montebello option gets shopped: VA, non-QM, an FHA loan, conventional, and jumbo. Come in at your own pace — buying, exploring a refinance, or comparing paths — start your application here or call (949) 522-7310.
For Montebello, that usually means high-balance, FHA, jumbo for hillside estates.
Buying your first Montebello place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Montebello.
Self-employed in Montebello? We also work with borrowers who work for themselves — bank-statement income included, plus bridge financing for Montebello investors. Los Angeles County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Montebello sits in Los Angeles County — see how we work across Los Angeles County as a whole.
Close to Montebello, we also help buyers in Pico Rivera, Monterey Park, Rosemead. See all California cities we serve →
A licensed California mortgage broker for Montebello: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Montebello buyers ask us first.
Where does the Montebello conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Montebello is $1,249,125, the figure FHFA set for Los Angeles County. High-cost status lifts the Los Angeles County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. Two-unit homes in Los Angeles County have a $1,599,375 conforming limit for 2026.
How do first-time buyers usually finance a Montebello home?
First-time buyers in Montebello usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Los Angeles County is $1,249,125, per HUD. Some conventional programs accept 3% down from first-time buyers.
What parts of Montebello do you work in?
Every part of Montebello, including Montebello Hills, North End, Metro Heights and Montebello Northeast. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Whether the home is in Montebello Hills or Montebello Northeast, owner Esther Buede handles the loan by phone and online.
Is Choice Home Mortgage local to Montebello?
Yes. Choice Home Mortgage works out of Fountain Valley, roughly 23 miles from Montebello. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Every loan, Montebello Hills to Montebello Northeast, is handled by owner Esther Buede.
Do you cover the towns around Montebello?
Yes, the towns around Montebello are covered, including Pico Rivera, Monterey Park and Rosemead. 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 Montebello file. FHFA's 2026 one-unit limit for Los Angeles County is $1,249,125.
Let's finance your Montebello home.
Tell us about the Montebello home you want — we'll match the program and make lenders compete for your Montebello loan.