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, template excluded.
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. Limits per FHFA 2026; verify your scenario with us.
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, as she’s done 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, conventional, and jumbo. Any starting point works: buying, refinancing, or simply exploring — start your application here or call (949) 522-7310.
Short on the down payment for a Palm Springs home? Here’s what assistance is genuinely available — statewide CalHFA help covers Palm Springs.
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?
The 2026 number covering Palm Springs is $832,750 on a single-family home; above it, jumbo guidelines apply to Palm Springs purchases. Per FHFA; confirm with us.
Do Palm Springs buyers usually need jumbo financing?
Palm Springs's price points mean jumbo and high-balance financing come up constantly on Palm Springs files. We map your purchase against the limit first, then make lenders compete for it.
Which Palm Springs neighborhoods do you serve?
All of Palm Springs — including Movie Colony, Vista Las Palmas, Historic Tennis Club/Warm Sands, Old Las Palmas. The financing follows you across Palm Springs: the loan matches your Palm Springs file, never the ZIP.
Can you handle my Palm Springs purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Palm Springs loans regularly — your Palm Springs file stays owner-handled, phone-and-online, Palm Springs to closing.
What if I'm buying just outside Palm Springs?
Absolutely — Cathedral City, Palm Desert, Indio included. The Palm Springs playbook travels; only the county numbers change.
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.