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.
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. Limits per FHFA 2026; verify your scenario with us.
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). Closing loans since 2005, she’ll know your Ontario plans — Historic Downtown or anywhere Ontario — and your name from the first call. 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: FHA, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — begin online or call (949) 522-7310.
Ontario first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
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?
The 2026 number covering Ontario is $832,750 on a single-family home; above it, jumbo guidelines apply to Ontario purchases. Per FHFA; confirm with us.
Is a jumbo loan the norm for Ontario purchases?
Ontario's price points mean jumbo and high-balance financing come up constantly on Ontario files. We map your purchase against the limit first, then make lenders compete for it.
Do you cover all of Ontario?
We work Ontario citywide — Ontario Ranch, Historic Downtown, East Ontario, South Ontario included. Where in Ontario you buy doesn't change how hard we shop.
Can you handle my Ontario purchase remotely?
Absolutely. Ontario is core coverage for a California broker like us (NMLS #2629064); Ontario clients work directly with owner Esther Buede remotely.
Do you serve areas near Ontario?
We do: buyers in Montclair, Rancho Cucamonga, Chino work with us like Ontario buyers do, local limits checked for each.
Ready for your Ontario address?
No call center — just Esther. We'll find what fits your Ontario purchase and do the Ontario lender legwork.