Petaluma, CA
Petaluma home loans, built for Petaluma's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Petaluma's price points — not a one-size template.
Petaluma home loans, the honest version.
Petaluma is the southern gateway to Sonoma Wine Country while remaining within commute range of San Francisco and Marin — a position giving it demand from households seeking wine-country lifestyle without full Napa/Sonoma premium pricing; its intact Victorian downtown and river character are non-replicable assets.
That market shapes the loan. Because Sonoma County is a high-cost area, the 2026 one-unit conforming limit is $897,000 — above the national baseline. So many Petaluma buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $897,000 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Petaluma from the ground up — close to Historic Downtown Petaluma and the river turning basin. We finance homes across Historic Downtown, West Petaluma, East Petaluma, and Oakhill-Brewster Historic District — and every other corner of Petaluma. Looking for a mortgage broker near you in Petaluma? 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.
Petaluma market knowledge
Near Historic Downtown Petaluma and the river turning basin, across Historic Downtown, West Petaluma, East Petaluma — we know how Petaluma prices and programs actually work.
High-balance & jumbo ready
Petaluma runs above the national norm — we structure high-balance, jumbo, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Petaluma file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Petaluma loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Petaluma, 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.”
Matched to your Petaluma purchase, not a template.
For Petaluma we lean on high-balance, jumbo, conventional — 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 Petaluma, we also help buyers in Rohnert Park, Novato, Santa Rosa. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Petaluma mortgage questions, answered.
What's the 2026 conforming loan limit in Petaluma?
In Sonoma County, the 2026 conforming loan limit is $897,000 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Petaluma?
Not always. Many Petaluma homes can be financed with high-balance conforming loans up to $897,000 before a true jumbo is needed. We'll tell you which fits your price point.
Which Petaluma neighborhoods do you serve?
We serve buyers across Petaluma, including Historic Downtown, West Petaluma, East Petaluma. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Petaluma?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Petaluma and the surrounding area.
Do you serve areas near Petaluma?
Yes — we also work with buyers in nearby Rohnert Park, Novato, Santa Rosa. Same process, local loan-limit details for each.
Let's finance your Petaluma home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Petaluma purchase and shop the lenders for you.