Ontario, CA
Ontario home loans, built for Ontario's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Ontario's price points — not a one-size template.
How Ontario buyers get to the closing table.
Ontario sits at the convergence of the 10, 15, and 60 freeways with Ontario International Airport, anchoring a logistics employment base for major carriers; demand tracks Inland Empire logistics growth plus LA/Orange County spillover.
That market shapes the loan. In San Bernardino County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Ontario purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Ontario from the ground up — close to the historic Euclid Avenue boulevard. We finance homes across Ontario Ranch, Historic Downtown, East Ontario, and South Ontario — and every other corner of Ontario. Looking for a mortgage broker near you in Ontario? 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.
Ontario market knowledge
Near the historic Euclid Avenue boulevard, across Ontario Ranch, Historic Downtown, East Ontario — we know how Ontario prices and programs actually work.
Move-up & jumbo ready
Ontario runs above the national norm — we structure conventional, FHA, first-time-buyer financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Ontario file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Ontario loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Ontario, 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!”
Ontario financing that fits the home and the borrower.
For Ontario we lean on conventional, FHA, first-time-buyer — 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 Ontario, we also help buyers in Montclair, Rancho Cucamonga, Chino. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Ontario mortgage questions, answered.
What's the 2026 conforming loan limit in Ontario?
In San Bernardino County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Ontario?
Not always. Many Ontario homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Ontario neighborhoods do you serve?
We serve buyers across Ontario, including Ontario Ranch, Historic Downtown, East Ontario. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Ontario?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Ontario and the surrounding area.
Do you serve areas near Ontario?
Yes — we also work with buyers in nearby Montclair, Rancho Cucamonga, Chino. Same process, local loan-limit details for each.
Let's finance your Ontario home.
Straight answers on your Ontario options, and a broker who shops the whole market so you don't have to.