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.
Can a mortgage broker help me buy in Palmdale, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Palmdale, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Palmdale file best. Esther Buede, the owner, is the person you talk to.
The 2026 conforming limit for a one-unit Palmdale home is $1,249,125 (Los Angeles County, per FHFA). We start every Palmdale file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. Palmdale itself prices solidly middle-of-market, which is part of why Los Angeles County carries a high-cost designation. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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. Not a call center — one expert on your Palmdale file. Choice Home Mortgage has been a family brokerage since 2005. 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 files here lean on high-balance, jumbo, FHA, first-time-buyer.
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. For the county-level view, including which loans fit Los Angeles County prices, see our Los Angeles County page.
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?
$1,249,125 is the 2026 conforming limit for a single-family home in Palmdale, based on FHFA's figure for Los Angeles County. High-cost status lifts the Los Angeles County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. For two units, the Los Angeles County conforming limit is $1,599,375.
What loans help first-time buyers in Palmdale?
First-time buyers in Palmdale most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Los Angeles County is $1,249,125. Some conventional programs accept 3% down from first-time buyers.
Which Palmdale neighborhoods do you serve?
We finance homes in every Palmdale neighborhood, including West Palmdale, East Palmdale, Downtown Palmdale and North Palmdale. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Whether the home is in West Palmdale or North Palmdale, owner Esther Buede handles the loan by phone and online.
Is Choice Home Mortgage local to Palmdale?
Not in person: Palmdale is about 60 miles from our Fountain Valley office, but it is inside our California service area. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Applications, documents and updates for West Palmdale or North Palmdale homes all move by phone and online.
Do you cover the towns around Palmdale?
Yes, the towns around Palmdale are covered, including Lancaster, Santa Clarita and Pasadena. 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 Palmdale file.
Let's finance your Palmdale home.
Straight answers on your Palmdale options, and a broker shopping the whole market for Palmdale buyers like you.