Pacifica, CA
Pacifica home loans, built for Pacifica's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Pacifica's price points — not a one-size template.
How Pacifica buyers get to the closing table.
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.
That market shapes the loan. Because San Mateo County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Pacifica buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Pacifica from the ground up — close to the Pacifica Pier and Mori Point. We finance homes across Linda Mar, Sharp Park, Rockaway Beach, and Vallemar — and every other corner of Pacifica. Looking for a mortgage broker near you in Pacifica? 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.
Pacifica market knowledge
Near the Pacifica Pier and Mori Point, across Linda Mar, Sharp Park, Rockaway Beach — we know how Pacifica prices and programs actually work.
High-balance & jumbo ready
Pacifica runs above the national norm — we structure high-balance, jumbo, move-up financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Pacifica file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Pacifica loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Pacifica, 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 →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Pacifica financing that fits the home and the borrower.
For Pacifica we lean on high-balance, jumbo, move-up — 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 Pacifica, we also help buyers in San Bruno, South San Francisco, Daly City. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Pacifica mortgage questions, answered.
What's the 2026 conforming loan limit in Pacifica?
In San Mateo County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Pacifica?
Not always. Many Pacifica homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Pacifica neighborhoods do you serve?
We serve buyers across Pacifica, including Linda Mar, Sharp Park, Rockaway Beach. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Pacifica?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Pacifica and the surrounding area.
Do you serve areas near Pacifica?
Yes — we also work with buyers in nearby San Bruno, South San Francisco, Daly City. Same process, local loan-limit details for each.
Let's finance your Pacifica home.
Straight answers on your Pacifica options, and a broker who shops the whole market so you don't have to.