Newark, CA
Newark home loans, built for Newark's market.
Newark prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Newark actually sells, from The Lake on out.
Can a mortgage broker help me buy in Newark, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Newark, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Newark file best. Esther Buede, the owner, is the person you talk to.
For Newark, FHFA's 2026 one-unit limit is $1,249,125 (Alameda County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing a Newark home really takes.
Newark occupies a rare position in the Bay Area as an Alameda County city with direct Dumbarton Bridge access and proximity to Silicon Valley employers, giving buyers top-tier tech employment at prices structurally below San Jose and Palo Alto; Lucid Motors’ headquarters and the Don Edwards wildlife refuge create a live-work-nature profile few Bay Area cities replicate.
The loan has to fit the Newark picture. Alameda County counts as high-cost, so Newark buyers get a $1,249,125 one-unit ceiling on 2026 Newark purchases. So many Newark buyers use high-balance or jumbo financing — knowing where a Newark purchase lands against that $1,249,125 line is half the work. Newark’s price tier is above the national norm, the same reality behind Alameda County’s high-cost limit. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 44,000-plus people live in Newark — The Lake, Lido, and between — a short drive from Fremont or Union City. From the Don Edwards San Francisco Bay National Wildlife Refuge outward, we treat Newark as home turf. We finance homes across The Lake, Gateway, Downtown Newark, and Lido — and every other corner of Newark. If you’re in Newark hunting for a nearby broker: we work Newark loans by phone and online, Newark knowledge included.
The broker difference, Newark edition.
Newark market knowledge
From The Lake, Gateway, Downtown Newark to the blocks near the Don Edwards San Francisco Bay National Wildlife Refuge — Newark pricing has a logic, and we work it daily.
High-balance & jumbo ready
Jumbo, high-balance, move-up — that's the Newark toolkit, because Newark prices above the national norm and the financing keeps up.
Lenders shopped for you
We make lenders compete for Newark business instead of squeezing Newark buyers into a single bank's box.
Owner-handled
In Newark you get the owner, Esther Buede, personally — no queue for Newark files, and the Newark attention shows in our reviews.
One owner, handling your whole loan.
Every Newark file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Newark plans — Gateway or anywhere Newark — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Newark financing that fits the home and the borrower.
Demand around the Don Edwards San Francisco Bay National Wildlife Refuge keeps jumbo activity steady in Newark. For Newark we lean on jumbo, high-balance, move-up — but whatever fits your Newark file, we shop it: non-QM, FHA financing, conventional, jumbo, and VA. Start when you’re ready: buying, refinancing your mortgage, or just exploring — apply here or call (949) 522-7310.
For Newark, that usually means jumbo, high-balance, move-up.
Buying your first Newark place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Newark.
Not every Newark file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and Newark investors can lean on bridge financing. Want every unit count, not just single-family? Alameda County’s 2026 loan limits page has the full table. Newark sits in Alameda County — see how we work across Alameda County as a whole.
And around Newark: Fremont, Union City, Mountain View are all in reach. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Newark. Equal Housing Opportunity.
Newark mortgage questions, answered.
What's the 2026 conforming loan limit in Newark?
A conforming loan on a one-unit Newark home can go up to $1,249,125 in 2026, which is FHFA's limit for Alameda County. Alameda County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
How do Newark buyers finance above the conforming limit?
Above $1,249,125, Newark buyers either take a jumbo loan or raise the down payment until the loan fits under the Alameda County limit. A loan between the $832,750 national baseline and $1,249,125 is high-balance conforming in Alameda County. We shop the loan with many lenders and show you the offers side by side.
What parts of Newark do you work in?
Every part of Newark, including The Lake, Gateway, Downtown Newark and Lido. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. A The Lake address and a Lido address get the same lender shopping from us.
Is Choice Home Mortgage local to Newark?
Choice Home Mortgage works out of Fountain Valley, roughly 350 miles from Newark, and serves it remotely. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. From The Lake to Lido, the application, documents and updates run by phone and online.
What if I'm buying just outside Newark?
Buying just outside Newark changes nothing on our side; we also arrange loans in Fremont, Union City and Mountain View. 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 Newark file.
Your Newark keys are the goal.
No call center — just Esther. We'll find what fits your Newark purchase and do the Newark lender legwork.