Moreno Valley, CA
Buy your first Moreno Valley home with confidence.
Your Moreno Valley budget picks the program — first-time-buyer, down-payment-assistance, FHA — and we handle the Moreno Valley lender legwork, whether you're eyeing Moreno Valley Ranch or beyond.
Who can help me get a mortgage in Moreno Valley, CA?
Choice Home Mortgage arranges home loans for Moreno Valley buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Moreno Valley file from the first call to closing.
For 2026, a one-unit Moreno Valley home can carry a conforming loan of up to $832,750, the Riverside County limit FHFA sets, and we check where your Moreno Valley price falls before you write an offer. The whole process runs by phone and online.
Moreno Valley home loans, the honest version.
Moreno Valley is one of the most affordable cities in Riverside County, absorbing buyers priced out of Riverside, Corona, and Orange County; entry-level prices and large-lot single-family inventory make it a first rung on the SoCal ladder.
That Moreno Valley market shapes the loan. In Riverside County, a Moreno Valley one-unit purchase conforms up to 2026’s $832,750 baseline for Moreno Valley files. That $832,750 ceiling covers most Moreno Valley price points — conventional, FHA, down-payment-assistance all stay on the Moreno Valley table. As a market, Moreno Valley runs entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 201,000-plus people call Moreno Valley home, spread from Moreno Valley Ranch to Moreno townsite, with Perris and Redlands minutes away. From the March Field Air Museum outward, we treat Moreno Valley as home turf. Moreno Valley Ranch, Chaparral Hills, Bear Valley, and Moreno townsite — we finance homes in each of them, and everywhere else Moreno Valley reaches. Typing “broker near me” somewhere in Moreno Valley? Phone and online is how Moreno Valley files run here — the local read on Moreno Valley comes with it.
What working with us looks like.
Moreno Valley market knowledge
From Moreno Valley Ranch, Chaparral Hills, Bear Valley to the March Field Air Museum, we track what Moreno Valley homes really cost and which loans carry them.
First-time & assistance
Moreno Valley buyers often start with first-time-buyer, down-payment-assistance, FHA — we match Moreno Valley files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
Many lenders bid on each Moreno Valley file we bring them — Moreno Valley buyers never shop one shelf.
Owner-handled
Your Moreno Valley file is handled by owner Esther Buede herself — in Moreno Valley or Perris, hers is the name buyers recognize from our reviews.
The owner works your file. Personally.
Your Moreno Valley loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Moreno Valley loan — from Chaparral Hills across the Moreno Valley map. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
The right Moreno Valley loan for your situation.
Moreno Valley’s pull — think the March Field Air Museum — keeps first-time-buyer work coming. Moreno Valley files most often land on first-time-buyer, down-payment-assistance, FHA — and past those, every Moreno Valley option gets shopped: jumbo, VA, non-QM, FHA, and conventional. Jump in at any stage: buying, exploring a refinance, or just running numbers — start your application here or call (949) 522-7310.
For Moreno Valley, that usually means FHA, first-time-buyer, down-payment-assistance.
If the down payment is the wall between you and a Moreno Valley home, read what assistance actually exists right now — CalHFA reaches Moreno Valley.
Moreno Valley 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s; Moreno Valley investors have no-income investor financing too. Riverside County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. For the county-level view, including which loans fit Riverside County prices, see our Riverside County page.
Beyond Moreno Valley itself, Perris, Redlands, Riverside buyers work with us the same way. See all California cities we serve →
A licensed California mortgage broker for Moreno Valley: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Moreno Valley home-loan questions, straight answers.
What's the 2026 conforming loan limit in Moreno Valley?
The 2026 conforming loan limit for a one-unit home in Moreno Valley is $832,750, the figure FHFA set for Riverside County. Riverside 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.
How do first-time buyers usually finance a Moreno Valley home?
First-time buyers in Moreno Valley 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. HUD's 2026 FHA limit for one unit in Riverside County is $690,000. Some conventional programs accept 3% down from first-time buyers.
What parts of Moreno Valley do you work in?
Every part of Moreno Valley, including Moreno Valley Ranch, Chaparral Hills, Bear Valley and Moreno townsite. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Loans from Moreno Valley Ranch to Moreno townsite go through owner Esther Buede, by phone and online.
Can you handle my Moreno Valley purchase remotely?
Yes. A Moreno Valley purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The Riverside County conforming limit for one unit is $832,750 in 2026.
Do you cover the towns around Moreno Valley?
Yes, the towns around Moreno Valley are covered, including Perris, Redlands and Riverside. 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 Moreno Valley file. The Riverside County conforming limit for one unit is $832,750 in 2026.
Also serving homebuyers near Moreno Valley
Ready for your Moreno Valley address?
One call with the owner — local, honest, no pressure. We'll match the program to your Moreno Valley purchase and shop lenders for your Moreno Valley file.