Pasadena, CA
Pasadena home loans, built for Pasadena's market.
From jumbo to move-up money, Pasadena loans get built around real Pasadena price tags, Bungalow Heaven included.
Who can help me get a mortgage in Pasadena, CA?
Choice Home Mortgage arranges home loans for Pasadena buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Pasadena file from the first call to closing.
The 2026 conforming limit for a one-unit Pasadena home is $1,249,125 (Los Angeles County, per FHFA). We start every Pasadena file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Pasadena mortgage market.
Pasadena’s position at the base of the San Gabriel Mountains gives it a distinct identity within LA County — the Rose Bowl, Arroyo Seco, and Norton Simon Museum are not replicable; Caltech, JPL, and biotech and engineering employers provide a recession-resistant professional demand base.
Financing follows that Pasadena math. For a Pasadena one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Pasadena buyers. Plenty of Pasadena purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Pasadena work for us. Pasadena itself prices above the national norm, which is part of why Los Angeles County carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Pasadena holds 139,000-plus residents across pockets like Bungalow Heaven and Linda Vista, with San Gabriel and Alhambra right next door. We work Pasadena from the ground up — close to the Rose Bowl Stadium. Bungalow Heaven, Old Pasadena, Oak Knoll, and Linda Vista — we finance homes in each of them, and everywhere else Pasadena reaches. If you’re in Pasadena hunting for a nearby broker: we work Pasadena loans by phone and online, Pasadena knowledge included.
The broker difference, Pasadena edition.
Pasadena market knowledge
From Bungalow Heaven, Old Pasadena, Oak Knoll to the blocks near the Rose Bowl Stadium — Pasadena pricing has a logic, and we work it daily.
High-balance & jumbo ready
Pasadena runs above the national norm — we structure jumbo, high-balance financing around Pasadena price points.
Lenders shopped for you
We make lenders compete for Pasadena business instead of squeezing Pasadena buyers into a single bank's box.
Owner-handled
In Pasadena you get the owner, Esther Buede, personally — no queue for Pasadena files, and the Pasadena attention shows in our reviews.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) personally runs each Pasadena file — Old Pasadena or any Pasadena address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your Pasadena purchase, not a template.
Demand around the Rose Bowl Stadium keeps jumbo activity steady in Pasadena. The Pasadena playbook usually starts with jumbo, high-balance — then we shop whatever your Pasadena file calls for: non-QM, an FHA loan, conventional, jumbo, and VA. Any starting point works: buying, refinancing, or simply exploring — start your application here or call (949) 522-7310.
The programs that come up most for Pasadena buyers: jumbo, high-balance.
First home in Pasadena? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Pasadena buyers too.
Not every Pasadena file fits a W-2 box — self-employed borrowers can qualify on bank-statement income, and Pasadena investors can lean on bridge financing. Los Angeles County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. We serve the wider county too: mortgage help across Los Angeles County.
Beyond Pasadena itself, San Gabriel, Alhambra, Rosemead buyers work with us the same way. Every California city we cover →
Choice Home Mortgage is a licensed California mortgage broker serving Pasadena — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Pasadena buyers.
How high can a conforming loan go in Pasadena?
$1,249,125 is the 2026 conforming limit for a single-family home in Pasadena, based on FHFA's figure for Los Angeles County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost Los Angeles County; above $1,249,125, the loan is jumbo. A two-unit property in Los Angeles County can borrow up to $1,599,375 and stay conforming.
How do Pasadena buyers finance above the conforming limit?
Pasadena buyers who need more than $1,249,125 (the 2026 Los Angeles County limit) use a jumbo loan, or put more down so the loan stays under it. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Los Angeles County. We put the loan in front of many lenders and compare what comes back.
Do you cover all of Pasadena?
Yes, we cover all of Pasadena, including Bungalow Heaven, Old Pasadena, Oak Knoll and Linda Vista. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. A Bungalow Heaven address and a Linda Vista address get the same lender shopping from us.
Is Choice Home Mortgage local to Pasadena?
Not in person: Pasadena is about 32 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 Bungalow Heaven or Linda Vista homes all move by phone and online.
What if I'm buying just outside Pasadena?
Buying just outside Pasadena changes nothing on our side; we also arrange loans in San Gabriel, Alhambra and Rosemead. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Pasadena file.
Let's get you home in Pasadena.
Straight answers on your Pasadena options, and a broker shopping the whole market for Pasadena buyers like you.