Pacifica, CA
Pacifica home loans, built for Pacifica's market.
Pacifica prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Pacifica actually sells, from Linda Mar on out.
How Pacifica buyers reach closing in Pacifica.
Pacifica occupies a 6-mile coastal strip on the San Mateo coastline between San Francisco and Half Moon Bay, one of the least expensive entry points to SF Peninsula ownership; its structural supply constraint — hemmed between the Pacific, San Pedro Mountain, and the Golden Gate National Recreation Area — is a permanent ceiling on inventory that supports price floors even in soft cycles.
The loan has to fit the Pacifica picture. Because San Mateo County is high-cost, a Pacifica one-unit purchase can reach $1,249,125 and stay conforming on a Pacifica file. That means high-balance and jumbo tools come up constantly in Pacifica — the first job on any Pacifica file is placing it against $1,249,125. Limits per FHFA 2026; verify your scenario with us.
From Linda Mar over to Vallemar, Pacifica’s 38,000-plus residents sit within minutes of San Bruno and South San Francisco. Ask us about Pacifica blocks near the Pacifica Pier and Mori Point — that’s the level we work at. Whether the address is in Linda Mar, Sharp Park, Rockaway Beach, and Vallemar or another Pacifica pocket entirely, the financing follows. A Pacifica broker without the drive: we handle Pacifica loans by phone and online, and the Pacifica market knowledge travels with us.
What working with us looks like.
Pacifica market knowledge
We know where Pacifica values run hot — Linda Mar, Sharp Park, Rockaway Beach, out to the Pacifica Pier and Mori Point — and which programs fit each pocket.
High-balance & jumbo ready
Pacifica runs above the national norm — we structure high-balance, jumbo, move-up financing around Pacifica price points.
Lenders shopped for you
Pacifica loans here go to whichever lender earns them — we shop the Pacifica file wide.
Owner-handled
Esther Buede — the owner — works your Pacifica loan start to finish; our Google reviews show Pacifica buyers why that matters.
Pacifica's file, the owner's desk.
In Pacifica, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Sharp Park to all Pacifica — to closing since 2005. Not a call center — one expert on your Pacifica file. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Pacifica loan for your situation.
Around the Pacifica Pier and Mori Point, high-balance remains the workhorse of Pacifica lending. High-balance, jumbo, move-up carry most of our Pacifica work — and beyond those, Pacifica buyers get the full menu: jumbo, VA, non-QM, FHA, and conventional. Jump in at any stage: buying, refinancing, or just running numbers — begin online or call (949) 522-7310.
Pacifica first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Close to Pacifica, we also help buyers in San Bruno, South San Francisco, Daly City. Every California city we cover →
Choice Home Mortgage is a licensed California mortgage broker serving Pacifica — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Pacifica buyers.
How high can a conforming loan go in Pacifica?
Because San Mateo County counts as high-cost, Pacifica buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Pacifica numbers.
Is a jumbo loan the norm for Pacifica purchases?
Often, yes — Pacifica prices push many Pacifica purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Pacifica file around where the price lands.
Which Pacifica neighborhoods do you serve?
We work Pacifica citywide — Linda Mar, Sharp Park, Rockaway Beach, Vallemar included. Where in Pacifica you buy doesn't change how hard we shop.
Do you actually know the Pacifica market?
Yes — we're a family-owned California broker (NMLS #2629064) and Pacifica sits squarely in coverage. Pacifica files run remotely, owner-handled for every Pacifica client.
Do you serve areas near Pacifica?
We do: buyers in San Bruno, South San Francisco, Daly City work with us like Pacifica buyers do, local limits checked for each.
Let's finance your Pacifica home.
Talk to the owner directly. We'll map the right loan for your Pacifica home and put lenders in competition for Pacifica business.