Oakley, CA
Your Oakley mortgage, done right.
Your Oakley budget picks the program — high-balance, jumbo, first-time-buyer — and we handle the Oakley lender legwork, whether you're eyeing Downtown Oakley or beyond.
Can a mortgage broker help me buy in Oakley, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Oakley, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Oakley file best. Esther Buede, the owner, is the person you talk to.
For Oakley, FHFA's 2026 one-unit limit is $1,249,125 (Contra Costa 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 an Oakley home really takes.
Oakley occupies the Sacramento-San Joaquin Delta edge of the East Bay, offering meaningfully lower price points than inner Contra Costa cities like Walnut Creek or Concord while remaining on BART’s expansion radar; the high-balance conforming limit gives qualified buyers access to the full price range without jumping to jumbo.
That Oakley market shapes the loan. High-cost Contra Costa County gives Oakley purchases a $1,249,125 conforming limit — extra 2026 headroom on Oakley homes. In practice, Oakley deals lean on high-balance and jumbo programs; mapping your Oakley price against $1,249,125 is where strategy starts. As a market, Oakley runs solidly middle-of-market — consistent with Contra Costa County’s high-cost status. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 38,000-plus people call Oakley home, spread from Downtown Oakley to South Oakley, with Brentwood and Antioch minutes away. Our Oakley knowledge is street-level — the area around Big Break Regional Shoreline on the Delta included. Buyers come to us from Downtown Oakley, Cypress Corridor, Laurel, and South Oakley, and from every other part of Oakley. Typing “broker near me” somewhere in Oakley? Phone and online is how Oakley files run here — the local read on Oakley comes with it.
How we work Oakley loans.
Oakley market knowledge
Downtown Oakley, Cypress Corridor, Laurel, over to Big Break Regional Shoreline on the Delta — Oakley's pockets price differently, and the right program follows the pocket.
First-time & assistance
Oakley buyers often start with high-balance, jumbo, first-time-buyer — we match Oakley files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
Many lenders bid on each Oakley file we bring them — Oakley buyers never shop one shelf.
Owner-handled
Owner Esther Buede guides your Oakley loan personally — the named expert Oakley clients would find praised across our Google reviews.
The owner works your file. Personally.
Owner Esther Buede (individual NMLS #2003644) personally runs each Oakley file — Cypress Corridor or any Oakley address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Built around your Oakley home, not a shelf product.
Demand around Big Break Regional Shoreline on the Delta keeps high-balance activity steady in Oakley. High-balance, jumbo, first-time-buyer carry most of our Oakley work — and beyond those, Oakley buyers get the full menu: VA, non-QM, an FHA loan, conventional, and jumbo. Any starting point works: buying, refinancing, or simply exploring — start your application here or call (949) 522-7310.
For Oakley, that usually means high-balance, jumbo, first-time-buyer.
Buying your first Oakley place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Oakley.
Oakley 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Oakley investors have DSCR investor loans too. Contra Costa County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. Oakley is one of the Contra Costa County communities we serve — see the county overview.
And around Oakley: Brentwood, Antioch, Pittsburg are all in reach. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Oakley. Equal Housing Opportunity.
What Oakley buyers ask us first.
Where does the Oakley conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Oakley is $1,249,125, the figure FHFA set for Contra Costa County. High-cost status lifts the Contra Costa County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. For two units, the Contra Costa County conforming limit is $1,599,375.
Which programs fit Oakley first-time buyers?
FHA and conventional loans fit most first-time buyers in Oakley, and the right one depends on your credit score and down payment. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Contra Costa County is $1,249,125, per HUD.
What parts of Oakley do you work in?
Every part of Oakley, including Downtown Oakley, Cypress Corridor, Laurel and South Oakley. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. A Downtown Oakley address and a South Oakley address get the same lender shopping from us.
Can you handle my Oakley purchase remotely?
Yes. An Oakley purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. For a one-unit home in Contra Costa County, the 2026 conforming limit is $1,249,125.
Do you serve areas near Oakley?
Yes. Besides Oakley, we also arrange loans in Brentwood, Antioch and Pittsburg. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as an Oakley file.
Your Oakley keys are the goal.
Talk to the owner directly. We'll map the right loan for your Oakley home and put lenders in competition for Oakley business.