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.
Is there a mortgage broker serving Pacifica, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Pacifica is in our service area. Owner Esther Buede handles each Pacifica loan herself and compares many lenders for it, so a Pacifica buyer is not limited to one bank's programs.
For 2026, a one-unit Pacifica home can carry a conforming loan of up to $1,249,125, the San Mateo County limit FHFA sets, and we check where your Pacifica price falls before you write an offer. The whole process runs by phone and online.
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. As a market, Pacifica runs above the national norm — consistent with San Mateo County’s high-cost status. 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.
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. Not a call center — one expert on your Pacifica file. Choice Home Mortgage has been a family brokerage since 2005. 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 your mortgage, or just running numbers — begin online or call (949) 522-7310.
For Pacifica, that usually means high-balance, jumbo, move-up.
Pacifica first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Not every Pacifica file fits a W-2 box — borrowers who work for themselves can qualify on 1099 income, and Pacifica investors can lean on DSCR investor loans. San Mateo County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
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?
A conforming loan on a one-unit Pacifica home can go up to $1,249,125 in 2026, which is FHFA's limit for San Mateo County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost San Mateo County; above $1,249,125, the loan is jumbo. For two units, the San Mateo County conforming limit is $1,599,375.
Is a jumbo loan the norm for Pacifica purchases?
The loan amount decides it: a Pacifica loan above $1,249,125 is jumbo, and at or below that figure it stays conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for San Mateo County. We shop the loan with many lenders and show you the offers side by side.
Which Pacifica neighborhoods do you serve?
We finance homes in every Pacifica neighborhood, including Linda Mar, Sharp Park, Rockaway Beach and Vallemar. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Linda Mar and Vallemar included.
Do you actually know the Pacifica market?
Yes. A one-unit Pacifica home has a $1,249,125 conforming limit for 2026, the FHA limit there is $1,249,125, and every file we take starts from those figures. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan.
Do you serve areas near Pacifica?
Yes. Besides Pacifica, we also arrange loans in San Bruno, South San Francisco and Daly City. 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 a Pacifica file.
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.