Palm Desert, CA
Palm Desert home loans, built for Palm Desert's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Palm Desert's price points — not a one-size template.
How Palm Desert buyers get to the closing table.
Palm Desert’s market is structurally bifurcated between resort-and-retirement demand (Sun City Palm Desert exceeds 4,000 homes) and a seasonal second-home market anchored by the El Paseo luxury shopping district, an intentional Rodeo Drive analog; roughly 30 nearby golf courses create a self-contained amenity ecosystem driving both full-time and part-time residency.
That market shapes the loan. In Riverside County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Palm Desert purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Palm Desert from the ground up — close to the El Paseo district and the Living Desert Zoo. We finance homes across Palma Village, South Palm Desert/El Paseo, Sun City Palm Desert, and The Reserve — and every other corner of Palm Desert. Looking for a mortgage broker near you in Palm Desert? 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.
Palm Desert market knowledge
Near the El Paseo district and the Living Desert Zoo, across Palma Village, South Palm Desert/El Paseo, Sun City Palm Desert — we know how Palm Desert prices and programs actually work.
Move-up & jumbo ready
Palm Desert runs above the national norm — we structure conventional, FHA, jumbo for estates financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Palm Desert file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Palm Desert loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Palm Desert, 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.”
Palm Desert financing that fits the home and the borrower.
For Palm Desert we lean on conventional, FHA, jumbo for estates — 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 Palm Desert, we also help buyers in Indio, Cathedral City, Coachella. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Palm Desert mortgage questions, answered.
What's the 2026 conforming loan limit in Palm Desert?
In Riverside County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Palm Desert?
Not always. Many Palm Desert homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Palm Desert neighborhoods do you serve?
We serve buyers across Palm Desert, including Palma Village, South Palm Desert/El Paseo, Sun City Palm Desert. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Palm Desert?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Palm Desert and the surrounding area.
Do you serve areas near Palm Desert?
Yes — we also work with buyers in nearby Indio, Cathedral City, Coachella. Same process, local loan-limit details for each.
Let's finance your Palm Desert home.
Straight answers on your Palm Desert options, and a broker who shops the whole market so you don't have to.