Palm Springs, CA
Palm Springs home loans, built for Palm Springs's market.
From jumbo to move-up money, Palm Springs loans get built around real Palm Springs price tags, Movie Colony included.
Where do Palm Springs buyers find a mortgage broker?
A Palm Springs buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Palm Springs loan, and owner Esther Buede runs the file personally.
For 2026, a one-unit Palm Springs home can carry a conforming loan of up to $832,750, the Riverside County limit FHFA sets, and we check where your Palm Springs price falls before you write an offer. The whole process runs by phone and online.
How Palm Springs buyers reach closing in Palm Springs.
Palm Springs holds the nation’s densest concentration of mid-century modern residential architecture — a formally recognized historic resource through the city’s neighborhood-designation program — creating an asset class with architectural scarcity that resists the oversupply cycles common to desert resort markets; the Aerial Tramway and Indian Canyons anchor year-round recreation beyond the seasonal second-home cycle.
Financing follows that Palm Springs math. In Riverside County, a Palm Springs one-unit purchase conforms up to 2026’s $832,750 baseline for Palm Springs files. With Palm Springs homes mostly under $832,750, conventional plus FHA plus second-home all work on Palm Springs files. Palm Springs’s price tier is above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Some 46,000-plus people live in Palm Springs — Movie Colony, Old Las Palmas, and between — a short drive from Cathedral City or Palm Desert. the Palm Springs Aerial Tramway to the Palm Springs line — that’s ground we know well. We finance homes across Movie Colony, Vista Las Palmas, Historic Tennis Club/Warm Sands, and Old Las Palmas — and every other corner of Palm Springs. Searching “mortgage broker near me” from Palm Springs? We cover Palm Springs by phone and online — Palm Springs-level market help, no office visit.
The broker difference, Palm Springs edition.
Palm Springs market knowledge
Movie Colony, Vista Las Palmas, Historic Tennis Club/Warm Sands, the streets around the Palm Springs Aerial Tramway — we read Palm Springs's price points like locals, because that's how we work it.
Move-up & jumbo ready
Price tags in Palm Springs sit above the national norm, so we build conventional, jumbo for estates, second-home strategies sized to Palm Springs.
Lenders shopped for you
We make lenders compete for Palm Springs business instead of squeezing Palm Springs buyers into a single bank's box.
Owner-handled
Owner Esther Buede guides your Palm Springs loan personally — the named expert Palm Springs clients would find praised across our Google reviews.
Palm Springs's file, the owner's desk.
Owner Esther Buede (individual NMLS #2003644) personally runs each Palm Springs file — Vista Las Palmas or any Palm Springs address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Matched to your Palm Springs purchase, not a template.
Around the Palm Springs Aerial Tramway, conventional remains the workhorse of Palm Springs lending. The Palm Springs playbook usually starts with conventional, jumbo for estates, second-home — then we shop whatever your Palm Springs file calls for: VA, non-QM, FHA financing, conventional, and jumbo. Any starting point works: buying, exploring a refinance, or simply exploring — start your application here or call (949) 522-7310.
Palm Springs files here lean on conventional, jumbo for estates, second-home.
Short on the down payment for a Palm Springs home? Here’s what assistance is genuinely available — statewide CalHFA help covers Palm Springs.
Not every Palm Springs file fits a W-2 box — self-employed buyers can qualify on 1099 income. Riverside County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Looking beyond Palm Springs? Our Riverside County page covers the county-wide picture, including how its limits differ.
Beyond Palm Springs itself, Cathedral City, Palm Desert, Indio buyers work with us the same way. See all California cities we serve →
A licensed California mortgage broker for Palm Springs: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Palm Springs buyers.
What's the 2026 conforming loan limit in Palm Springs?
$832,750 is the 2026 conforming limit for a single-family home in Palm Springs, based on FHFA's figure for Riverside County. Riverside County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules. For two units, the Riverside County conforming limit is $1,066,250.
Do Palm Springs buyers usually need jumbo financing?
Only loans above $832,750 need jumbo financing in Palm Springs; that is the 2026 Riverside County limit, and anything at or under it is conforming. Putting more down keeps the loan at or under $832,750, which keeps it conforming. Choice Home Mortgage compares offers from many lenders on each loan.
Which Palm Springs neighborhoods do you serve?
We finance homes in every Palm Springs neighborhood, including Movie Colony, Vista Las Palmas, Historic Tennis Club/Warm Sands and Old Las Palmas. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. A Movie Colony address and an Old Las Palmas address get the same lender shopping from us.
Can you handle my Palm Springs purchase remotely?
Yes. Owner Esther Buede handles Palm Springs purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The Riverside County conforming limit for one unit is $832,750 in 2026.
What if I'm buying just outside Palm Springs?
Buying just outside Palm Springs changes nothing on our side; we also arrange loans in Cathedral City, Palm Desert and Indio. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Palm Springs file.
Let's get you home in Palm Springs.
Tell us about the Palm Springs home you want — we'll match the program and make lenders compete for your Palm Springs loan.