Newark, CA
Newark home loans, built for Newark's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Newark's price points — not a one-size template.
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’ manufacturing campus and the Don Edwards wildlife refuge create a live-work-nature profile few Bay Area cities replicate. (Distinct from Newark OH/NJ.)
That market shapes the loan. Because Alameda County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Newark buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Newark from the ground up — close to the Don Edwards San Francisco Bay National Wildlife Refuge. We finance homes across The Lake, Gateway, Downtown Newark, and Lido — and every other corner of Newark. Looking for a mortgage broker near you in Newark? 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.
Newark market knowledge
Near the Don Edwards San Francisco Bay National Wildlife Refuge, across The Lake, Gateway, Downtown Newark — we know how Newark prices and programs actually work.
High-balance & jumbo ready
Newark runs above the national norm — we structure jumbo, high-balance, move-up financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Newark file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Newark loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Newark, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Newark loan for your situation.
For Newark we lean on jumbo, high-balance, move-up — 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 Newark, we also help buyers in Fremont, Union City, Mountain View. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Newark mortgage questions, answered.
What's the 2026 conforming loan limit in Newark?
In Alameda County, the 2026 conforming loan limit is $1,249,125 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 Newark?
Not always. Many Newark homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Newark neighborhoods do you serve?
We serve buyers across Newark, including The Lake, Gateway, Downtown Newark. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Newark?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Newark and the surrounding area.
Do you serve areas near Newark?
Yes — we also work with buyers in nearby Fremont, Union City, Mountain View. Same process, local loan-limit details for each.
Let's finance your Newark home.
Talk to the owner directly. We'll map the right loan for your Newark home and put lenders in competition for it.