Pico Rivera, CA
Your Pico Rivera mortgage, done right.
Real Pico Rivera prices, real programs — conventional, high-balance, FHA — matched to what your Pico Rivera file qualifies for, in Midway Village and citywide.
Is there a mortgage broker serving Pico Rivera, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Pico Rivera is in our service area. Owner Esther Buede handles each Pico Rivera loan herself and compares many lenders for it, so a Pico Rivera buyer is not limited to one bank's programs.
For Pico Rivera, FHFA's 2026 one-unit limit is $1,249,125 (Los Angeles County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Pico Rivera home loans, the honest version.
Pico Rivera is an established San Gabriel Valley community formed from the 1958 merger of the Pico and Rivera areas, offering midcentury and ranch homes well below the LA County average; freeway access to the 60, 5, and 605 makes it a stable working-family market for buyers priced out of Whittier, Downey, and Montebello.
That Pico Rivera market shapes the loan. Los Angeles County counts as high-cost, so Pico Rivera buyers get a $1,249,125 one-unit ceiling on 2026 Pico Rivera purchases. So many Pico Rivera buyers use high-balance or jumbo financing — knowing where a Pico Rivera purchase lands against that $1,249,125 line is half the work. Pico Rivera’s price tier is solidly middle-of-market, the same reality behind Los Angeles County’s high-cost limit. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Midway Village over to South Pico Rivera, Pico Rivera’s 63,000-plus residents sit within minutes of Montebello and Whittier. From the Pico Rivera Sports Arena outward, we treat Pico Rivera as home turf. Midway Village, El Rancho, Rivera, and South Pico Rivera — we finance homes in each of them, and everywhere else Pico Rivera reaches. Need a broker near you in Pico Rivera? Everything runs by phone and online, so Pico Rivera expertise comes straight to you.
How we work Pico Rivera loans.
Pico Rivera market knowledge
We work Pico Rivera street by street — Midway Village, El Rancho, Rivera and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
The Pico Rivera starting lineup is usually conventional, high-balance, FHA; we add whichever down-payment help your Pico Rivera budget is eligible for.
Lenders shopped for you
Your Pico Rivera file gets shopped across many lenders — a broker working Pico Rivera, not one bank's sales desk.
Owner-handled
Your Pico Rivera file is handled by owner Esther Buede herself — in Pico Rivera or Montebello, hers is the name buyers recognize from our reviews.
Pico Rivera's file, the owner's desk.
Every Pico Rivera file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Pico Rivera plans — El Rancho or anywhere Pico Rivera — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Built around your Pico Rivera home, not a shelf product.
Pico Rivera’s pull — think the Pico Rivera Sports Arena — keeps conventional work coming. Pico Rivera files most often land on conventional, high-balance, FHA — and past those, every Pico Rivera option gets shopped: VA, non-QM, FHA loans, conventional, and jumbo. Start when you’re ready: buying, refinancing, or just exploring — begin online or call (949) 522-7310.
For Pico Rivera, that usually means high-balance, FHA, conventional.
Pico Rivera first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Pico Rivera 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Pico Rivera investors have asset-based qualifying too. The full Los Angeles County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. For the county-level view, including which loans fit Los Angeles County prices, see our Los Angeles County page.
Close to Pico Rivera, we also help buyers in Montebello, Whittier, Downey. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Pico Rivera. Equal Housing Opportunity.
What Pico Rivera buyers ask us first.
What counts as a conforming loan amount in Pico Rivera?
In Pico Rivera, a one-unit home can carry a conforming loan of up to $1,249,125 for 2026, under FHFA's limit for Los Angeles County. Los Angeles County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
Which programs fit Pico Rivera first-time buyers?
FHA and conventional loans fit most first-time buyers in Pico Rivera, and the right one depends on your credit score and down payment. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Los Angeles County is $1,249,125, per HUD.
Which Pico Rivera neighborhoods do you serve?
We finance homes in every Pico Rivera neighborhood, including Midway Village, El Rancho, Rivera and South Pico Rivera. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. A Midway Village address and a South Pico Rivera address get the same lender shopping from us.
Can you handle my Pico Rivera purchase remotely?
Yes. A Pico Rivera purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The Los Angeles County conforming limit for one unit is $1,249,125 in 2026.
Do you cover the towns around Pico Rivera?
Yes, the towns around Pico Rivera are covered, including Montebello, Whittier and Downey. 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 Pico Rivera file.
Your Pico Rivera keys are the goal.
One call with the owner — local, honest, no pressure. We'll match the program to your Pico Rivera purchase and shop lenders for your Pico Rivera file.