Ontario, CA
Ontario home loans, built for Ontario's market.
Ontario prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Ontario actually sells, from Ontario Ranch on out.
Where do Ontario buyers find a mortgage broker?
An Ontario buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Ontario loan, and owner Esther Buede runs the file personally.
For Ontario, FHFA's 2026 one-unit limit is $832,750 (San Bernardino County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Ontario home loans, the honest version.
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 Ontario market shapes the loan. In San Bernardino County, an Ontario one-unit purchase conforms up to 2026’s $832,750 baseline for Ontario files. With Ontario homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Ontario files. Ontario itself prices above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 167,000-plus people call Ontario home, spread from Ontario Ranch to South Ontario, with Montclair and Rancho Cucamonga minutes away. Ontario isn’t an abstraction to us — we know it down to the historic Euclid Avenue boulevard. Ontario Ranch, Historic Downtown, East Ontario, and South Ontario — we finance homes in each of them, and everywhere else Ontario reaches. Looking for a mortgage broker near you in Ontario? We serve Ontario by phone and online, so Ontario buyers get local-market help without driving anywhere.
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
FHA, first-time-buyer, conventional — that's the Ontario toolkit, because Ontario prices above the national norm and the financing keeps up.
Lenders shopped for you
One Ontario application, many lenders competing on it — that's what an Ontario buyer hires a broker for.
Owner-handled
Your Ontario file is handled by owner Esther Buede herself — in Ontario or Montclair, hers is the name buyers recognize from our reviews.
Your loan, one named expert.
Every Ontario file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Ontario plans — Historic Downtown or anywhere Ontario — and your name from the first call. Choice Home Mortgage has closed loans since 2005. 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.”
Matched to your Ontario purchase, not a template.
Near the historic Euclid Avenue boulevard, FHA files are an Ontario staple for us. For Ontario we lean on FHA, first-time-buyer, conventional — but whatever fits your Ontario file, we shop it: an FHA loan, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — begin online or call (949) 522-7310.
Ontario files here lean on conventional, FHA, first-time-buyer.
Ontario first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Not every Ontario file fits a W-2 box — borrowers who work for themselves can qualify on 1099 income, and Ontario investors can lean on DSCR investor loans. San Bernardino County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. We serve the wider county too: mortgage help across San Bernardino County.
Close to Ontario, we also help buyers in Montclair, Rancho Cucamonga, Chino. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Ontario. Equal Housing Opportunity.
Real questions from Ontario buyers.
What's the 2026 conforming loan limit in Ontario?
$832,750 is the 2026 conforming limit for a single-family home in Ontario, based on FHFA's figure for San Bernardino County. San Bernardino County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Is a jumbo loan the norm for Ontario purchases?
Jumbo applies to an Ontario purchase only when the loan itself is over $832,750; at or under that, the loan is conforming. A larger down payment can bring the loan back under $832,750 so it stays conforming. We shop the loan with many lenders and show you the offers side by side.
Do you cover all of Ontario?
Yes, we cover all of Ontario, including Ontario Ranch, Historic Downtown, East Ontario and South Ontario. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Loans from Ontario Ranch to South Ontario go through owner Esther Buede, by phone and online.
Can you handle my Ontario purchase remotely?
Yes. An Ontario 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 San Bernardino County, the 2026 conforming limit is $832,750.
Do you serve areas near Ontario?
Yes. Besides Ontario, we also arrange loans in Montclair, Rancho Cucamonga and Chino. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as an Ontario file. For a one-unit home in San Bernardino County, the 2026 conforming limit is $832,750.
Ready for your Ontario address?
No call center — just Esther. We'll find what fits your Ontario purchase and do the Ontario lender legwork.