Novato, CA
Novato home loans, built for Novato's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Novato's price points — not a one-size template.
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.
That market shapes the loan. Because Marin County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Novato 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 Novato from the ground up — close to the Hamilton district (former Hamilton Army Airfield). We finance homes across Hamilton, Ignacio, Bel Marin Keys, and San Marin — and every other corner of Novato. Looking for a mortgage broker near you in Novato? 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.
Novato market knowledge
Near the Hamilton district (former Hamilton Army Airfield), across Hamilton, Ignacio, Bel Marin Keys — we know how Novato prices and programs actually work.
High-balance & jumbo ready
Novato runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Novato file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Novato loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Novato, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Matched to your Novato purchase, not a template.
For Novato we lean on high-balance, jumbo — 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 Novato, we also help buyers in Petaluma, San Rafael, Rohnert Park. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Novato mortgage questions, answered.
What's the 2026 conforming loan limit in Novato?
In Marin 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 Novato?
Not always. Many Novato 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 Novato neighborhoods do you serve?
We serve buyers across Novato, including Hamilton, Ignacio, Bel Marin Keys. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Novato?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Novato and the surrounding area.
Do you serve areas near Novato?
Yes — we also work with buyers in nearby Petaluma, San Rafael, Rohnert Park. Same process, local loan-limit details for each.
Let's finance your Novato home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Novato purchase and shop the lenders for you.