Palmdale, CA
Your Palmdale mortgage, done right.
FHA, high-balance, jumbo programs sized to Palmdale budgets — matched to your Palmdale file, from West Palmdale to every corner of Palmdale.
Inside the Palmdale mortgage market.
Palmdale’s economy is anchored by the aerospace and defense sector at Air Force Plant 42, and it is one of the most affordable incorporated cities in LA County, a major destination for families seeking ownership in a high-cost county.
That Palmdale market shapes the loan. For a Palmdale one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Palmdale buyers. In practice, Palmdale deals lean on high-balance and jumbo programs; mapping your Palmdale price against $1,249,125 is where strategy starts. Source: FHFA 2026 limits. We’ll verify your numbers.
From West Palmdale over to North Palmdale, Palmdale’s 157,000-plus residents sit within minutes of Lancaster and Santa Clarita. Our Palmdale knowledge is street-level — the area around Air Force Plant 42 and the Antelope Valley included. West Palmdale, East Palmdale, Downtown Palmdale, and North Palmdale — we finance homes in each of them, and everywhere else Palmdale reaches. A Palmdale broker without the drive: we handle Palmdale loans by phone and online, and the Palmdale market knowledge travels with us.
The broker difference, Palmdale edition.
Palmdale market knowledge
We work Palmdale street by street — West Palmdale, East Palmdale, Downtown Palmdale and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
Palmdale buyers often start with FHA, high-balance, jumbo — we match Palmdale files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
As a broker we put many lenders in competition for your Palmdale file — not one bank's Palmdale shelf.
Owner-handled
Esther Buede — the owner — works your Palmdale loan start to finish; our Google reviews show Palmdale buyers why that matters.
One name on every Palmdale loan.
In Palmdale, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — East Palmdale to all Palmdale — to closing since 2005. Not a call center — one expert on your Palmdale file. 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.”
The right Palmdale loan for your situation.
Around Air Force Plant 42 and the Antelope Valley, FHA remains the workhorse of Palmdale lending. The Palmdale playbook usually starts with FHA, high-balance, jumbo — then we shop whatever your Palmdale file calls for: non-QM, FHA financing, conventional, jumbo, and VA. Jump in at any stage: buying, refinancing, or just running numbers — start your application here or call (949) 522-7310.
Palmdale first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Self-employed in Palmdale? We also work with borrowers who work for themselves — 1099 income included, plus no-income investor financing for Palmdale investors. Want every unit count, not just single-family? Los Angeles County’s 2026 loan limits page has the full table.
Close to Palmdale, we also help buyers in Lancaster, Santa Clarita, Pasadena. Browse our California service areas →
Serving Palmdale as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Palmdale mortgage questions, answered.
What's the 2026 conforming loan limit in Palmdale?
For Palmdale, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your Palmdale purchase against them.
What loans help first-time buyers in Palmdale?
Most first-time Palmdale buyers start with high-balance, jumbo, FHA — and we check which assistance fits your Palmdale purchase before you commit.
Which Palmdale neighborhoods do you serve?
Every corner of Palmdale, from West Palmdale, East Palmdale, Downtown Palmdale, North Palmdale on out. A Palmdale loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Palmdale?
Palmdale? Definitely. California-licensed (NMLS #2629064) with Palmdale squarely covered — your Palmdale loan runs remotely and owner-handled.
Do you cover the towns around Palmdale?
We do: buyers in Lancaster, Santa Clarita, Pasadena work with us like Palmdale buyers do, local limits checked for each.
Let's finance your Palmdale home.
Straight answers on your Palmdale options, and a broker shopping the whole market for Palmdale buyers like you.