Oakland, CA
Oakland home loans, built for Oakland's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Oakland's price points — not a one-size template.
How Oakland buyers get to the closing table.
Oakland is the most attainable entry into the Bay Area’s high-cost market, drawing buyers priced out of San Francisco and the Peninsula who still need Bay Area access; Alameda County’s high-cost designation puts most single-family purchases in high-balance conforming.
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 Oakland 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 Oakland from the ground up — close to Lake Merritt and the Oakland Hills. We finance homes across Rockridge, Temescal, Grand Lake, and Fruitvale — and every other corner of Oakland. Looking for a mortgage broker near you in Oakland? 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.
Oakland market knowledge
Near Lake Merritt and the Oakland Hills, across Rockridge, Temescal, Grand Lake — we know how Oakland prices and programs actually work.
High-balance & jumbo ready
Oakland runs above the national norm — we structure high-balance, jumbo, FHA for East Oakland entry buyers financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Oakland file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Oakland loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Oakland, 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.”
Oakland financing that fits the home and the borrower.
For Oakland we lean on high-balance, jumbo, FHA for East Oakland entry buyers — 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 Oakland, we also help buyers in Alameda, San Leandro, Berkeley. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Oakland mortgage questions, answered.
What's the 2026 conforming loan limit in Oakland?
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 Oakland?
Not always. Many Oakland 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 Oakland neighborhoods do you serve?
We serve buyers across Oakland, including Rockridge, Temescal, Grand Lake. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Oakland?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Oakland and the surrounding area.
Do you serve areas near Oakland?
Yes — we also work with buyers in nearby Alameda, San Leandro, Berkeley. Same process, local loan-limit details for each.
Let's finance your Oakland home.
Straight answers on your Oakland options, and a broker who shops the whole market so you don't have to.