Pittsburg, CA
Your Pittsburg mortgage, done right.
We fit the loan to your Pittsburg plans — FHA, down-payment-assistance, high-balance and more — walking Pittsburg buyers through it, Downtown Pittsburg to closing day.
Who can help me get a mortgage in Pittsburg, CA?
Choice Home Mortgage arranges home loans for Pittsburg 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 Pittsburg file from the first call to closing.
For Pittsburg, FHFA's 2026 one-unit limit is $1,249,125 (Contra Costa County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Pittsburg mortgage market.
Pittsburg is the most affordable city in Contra Costa County by median, drawing first-time buyers and families priced out of Concord, Walnut Creek, and Pleasant Hill; the eBART extension connected it to the BART main line, expanding the commuter buyer pool, with new waterfront development along Suisun Bay adding inventory.
That Pittsburg market shapes the loan. For a Pittsburg one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Pittsburg buyers. Plenty of Pittsburg purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Pittsburg work for us. Pittsburg’s price tier is solidly middle-of-market, the same reality behind Contra Costa County’s high-cost limit. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Pittsburg holds 66,000-plus residents across pockets like Downtown Pittsburg and Highland Meadows, with Antioch and Concord right next door. Ask us about Pittsburg blocks near the Pittsburg Marina, gateway to the Delta — that’s the level we work at. We finance homes across Downtown Pittsburg, Los Medanos, Hillsdale, and Highland Meadows — and every other corner of Pittsburg. If you’re in Pittsburg hunting for a nearby broker: we work Pittsburg loans by phone and online, Pittsburg knowledge included.
What you get with a local broker.
Pittsburg market knowledge
Downtown Pittsburg, Los Medanos, Hillsdale, over to the Pittsburg Marina, gateway to the Delta — Pittsburg's pockets price differently, and the right program follows the pocket.
First-time & assistance
Pittsburg buyers often start with FHA, down-payment-assistance, high-balance — we match Pittsburg files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
We make lenders compete for Pittsburg business instead of squeezing Pittsburg buyers into a single bank's box.
Owner-handled
In Pittsburg you get the owner, Esther Buede, personally — no queue for Pittsburg files, and the Pittsburg attention shows in our reviews.
Your loan, one named expert.
Your Pittsburg loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Pittsburg loan — from Los Medanos across the Pittsburg map. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Pittsburg loan for your situation.
Around the Pittsburg Marina, gateway to the Delta, FHA remains the workhorse of Pittsburg lending. The Pittsburg playbook usually starts with FHA, down-payment-assistance, high-balance — then we shop whatever your Pittsburg file calls for: conventional, jumbo, VA, non-QM, and FHA. Jump in at any stage: buying, exploring a refinance, or just running numbers — apply here or call (949) 522-7310.
The programs that come up most for Pittsburg buyers: high-balance, FHA, down-payment-assistance.
Buying your first Pittsburg place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Pittsburg.
Self-employed in Pittsburg? We also work with 1099 and business-owner borrowers — bank-statement income included, plus no-income investor financing for Pittsburg investors. Contra Costa County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Pittsburg is one of the Contra Costa County communities we serve — see the county overview.
Close to Pittsburg, we also help buyers in Antioch, Concord, Martinez. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Pittsburg. Equal Housing Opportunity.
Pittsburg mortgage questions, answered.
How high can a conforming loan go in Pittsburg?
$1,249,125 is the 2026 conforming limit for a single-family home in Pittsburg, based on FHFA's figure for Contra Costa County. High-cost status lifts the Contra Costa County limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming. For two units, the Contra Costa County conforming limit is $1,599,375.
How do first-time buyers usually finance a Pittsburg home?
First-time buyers in Pittsburg usually finance with 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 Contra Costa County is $1,249,125. Some conventional programs accept 3% down from first-time buyers.
What parts of Pittsburg do you work in?
Every part of Pittsburg, including Downtown Pittsburg, Los Medanos, Hillsdale and Highland Meadows. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. A Downtown Pittsburg address and a Highland Meadows address get the same lender shopping from us.
Can you handle my Pittsburg purchase remotely?
Yes. Owner Esther Buede handles Pittsburg purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The Contra Costa County conforming limit for one unit is $1,249,125 in 2026.
Do you serve areas near Pittsburg?
Yes. Besides Pittsburg, we also arrange loans in Antioch, Concord and Martinez. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Pittsburg file. The Contra Costa County conforming limit for one unit is $1,249,125 in 2026.
Ready for your Pittsburg address?
One call with the owner — local, honest, no pressure. We'll match the program to your Pittsburg purchase and shop lenders for your Pittsburg file.