Novato, CA
Novato home loans, built for Novato's market.
The right Novato loan respects Novato prices — high-balance, jumbo, refinance — structured for Hamilton and every Novato block from day one.
Novato home loans, the honest version.
As Marin County’s northernmost and most affordable city, Novato provides the county’s primary entry point for buyers who require proximity to the 101 corridor for Bay Area employment but cannot access Mill Valley or Tiburon price ranges.
Financing follows that Novato math. Because Marin County is high-cost, a Novato one-unit purchase can reach $1,249,125 and stay conforming on a Novato file. Plenty of Novato purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Novato work for us. 2026 limits published by FHFA — confirm your exact scenario with us.
Some 54,000-plus people live in Novato — Hamilton, San Marin, and between — a short drive from Petaluma or San Rafael. Ask us about Novato blocks near the Hamilton district (former Hamilton Army Airfield) — that’s the level we work at. We finance homes across Hamilton, Ignacio, Bel Marin Keys, and San Marin — and every other corner of Novato. Searching “mortgage broker near me” from Novato? We cover Novato by phone and online — Novato-level market help, no office visit.
What working with us looks like.
Novato market knowledge
Hamilton, Ignacio, Bel Marin Keys, the streets around the Hamilton district (former Hamilton Army Airfield) — we read Novato's price points like locals, because that's how we work it.
High-balance & jumbo ready
High-balance, jumbo — that's the Novato toolkit, because Novato prices above the national norm and the financing keeps up.
Lenders shopped for you
Many lenders bid on each Novato file we bring them — Novato buyers never shop one shelf.
Owner-handled
In Novato you get the owner, Esther Buede, personally — no queue for Novato files, and the Novato attention shows in our reviews.
One name on every Novato loan.
Your Novato loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Novato loan — from Ignacio across the Novato 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 Novato loan for your situation.
Around the Hamilton district (former Hamilton Army Airfield), high-balance remains the workhorse of Novato lending. High-balance, jumbo carry most of our Novato work — and beyond those, Novato buyers get the full menu: non-QM, FHA, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
First home in Novato? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Novato buyers too.
And around Novato: Petaluma, San Rafael, Rohnert Park are all in reach. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Novato. Equal Housing Opportunity.
What Novato buyers ask us first.
What's the 2026 conforming loan limit in Novato?
For Novato, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your Novato purchase against them.
Is a jumbo loan the norm for Novato purchases?
Novato's price points mean jumbo and high-balance financing come up constantly on Novato files. We map your purchase against the limit first, then make lenders compete for it.
What parts of Novato do you work in?
Every corner of Novato, from Hamilton, Ignacio, Bel Marin Keys, San Marin on out. A Novato loan prices off your file, not the neighborhood.
Do you actually know the Novato market?
Novato? Definitely. California-licensed (NMLS #2629064) with Novato squarely covered — your Novato loan runs remotely and owner-handled.
What if I'm buying just outside Novato?
Absolutely — Petaluma, San Rafael, Rohnert Park included. The Novato playbook travels; only the county numbers change.
Let's get you home in Novato.
One call with the owner — local, honest, no pressure. We'll match the program to your Novato purchase and shop lenders for your Novato file.