Palmdale, CA
Your Palmdale mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Palmdale — clear guidance from pre-approval through closing.
How Palmdale buyers get to the closing table.
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 market shapes the loan. Because Los Angeles County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Palmdale buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Palmdale from the ground up — close to Air Force Plant 42 and the Antelope Valley. We finance homes across West Palmdale, East Palmdale, Downtown Palmdale, and North Palmdale — and every other corner of Palmdale. Looking for a mortgage broker near you in Palmdale? 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.
Palmdale market knowledge
Near Air Force Plant 42 and the Antelope Valley, across West Palmdale, East Palmdale, Downtown Palmdale — we know Palmdale's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Palmdale buyers often start with high-balance, jumbo, FHA — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Palmdale file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Palmdale loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Palmdale, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Palmdale financing that fits the home and the borrower.
For Palmdale we lean on high-balance, jumbo, FHA — 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 Palmdale, we also help buyers in Lancaster, Santa Clarita, Pasadena. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Palmdale mortgage questions, answered.
What's the 2026 conforming loan limit in Palmdale?
In Los Angeles County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Palmdale?
Most Palmdale buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Palmdale neighborhoods do you serve?
We serve buyers across Palmdale, including West Palmdale, East Palmdale, Downtown Palmdale. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Palmdale?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Palmdale and the surrounding area.
Do you serve areas near Palmdale?
Yes — we also work with buyers in nearby Lancaster, Santa Clarita, Pasadena. Same process, local loan-limit details for each.
Let's finance your Palmdale home.
Straight answers on your Palmdale options, and a broker who shops the whole market so you don't have to.