Napa, CA
Napa home loans, built for Napa's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Napa's price points — not a one-size template.
How Napa buyers get to the closing table.
Napa’s market is structurally driven by the global premium on Napa Valley wine country as both a lifestyle destination and an investment-grade real estate category, durable across four decades of cycles; the Oxbow Public Market revitalization has made downtown a year-round destination, deepening permanent residential demand.
That market shapes the loan. Because Napa County is a high-cost area, the 2026 one-unit conforming limit is $1,017,750 — above the national baseline. So many Napa buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,017,750 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Napa from the ground up — close to the Oxbow Public Market and Napa Valley wine country. We finance homes across Browns Valley, Downtown Napa, The Vintage/North Napa, and West Park — and every other corner of Napa. Looking for a mortgage broker near you in Napa? 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.
Napa market knowledge
Near the Oxbow Public Market and Napa Valley wine country, across Browns Valley, Downtown Napa, The Vintage/North Napa — we know how Napa prices and programs actually work.
High-balance & jumbo ready
Napa runs above the national norm — we structure high-balance, jumbo, wealth-management structuring financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Napa file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Napa loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Napa, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Napa financing that fits the home and the borrower.
For Napa we lean on high-balance, jumbo, wealth-management structuring — 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 Napa, we also help buyers in Vallejo, Fairfield, Vacaville. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Napa mortgage questions, answered.
What's the 2026 conforming loan limit in Napa?
In Napa County, the 2026 conforming loan limit is $1,017,750 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Napa?
Not always. Many Napa homes can be financed with high-balance conforming loans up to $1,017,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Napa neighborhoods do you serve?
We serve buyers across Napa, including Browns Valley, Downtown Napa, The Vintage/North Napa. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Napa?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Napa and the surrounding area.
Do you serve areas near Napa?
Yes — we also work with buyers in nearby Vallejo, Fairfield, Vacaville. Same process, local loan-limit details for each.
Let's finance your Napa home.
Straight answers on your Napa options, and a broker who shops the whole market so you don't have to.