Pomona, CA
Your Pomona mortgage, done right.
High-balance, FHA, first-time-buyer programs sized to Pomona budgets — matched to your Pomona file, from Downtown Pomona to every corner of Pomona.
Is there a mortgage broker serving Pomona, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Pomona is in our service area. Owner Esther Buede handles each Pomona loan herself and compares many lenders for it, so a Pomona buyer is not limited to one bank's programs.
For Pomona, 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.
How Pomona buyers reach closing in Pomona.
Pomona anchors the eastern San Gabriel Valley at the 10/57/71 junction with multi-directional access to LA, Orange County, and the Inland Empire; its early-20th-century craftsman stock plus Cal Poly Pomona create a diverse buyer pool.
That Pomona market shapes the loan. Los Angeles County counts as high-cost, so Pomona buyers get a $1,249,125 one-unit ceiling on 2026 Pomona purchases. So many Pomona buyers use high-balance or jumbo financing — knowing where a Pomona purchase lands against that $1,249,125 line is half the work. Pomona itself prices solidly middle-of-market, which is part of why Los Angeles County carries a high-cost designation. 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 Downtown Pomona over to Wilton Heights, Pomona’s 151,000-plus residents sit within minutes of Montclair and Diamond Bar. the Fairplex (LA County Fair) and California Botanic Garden to the Pomona line — that’s ground we know well. We finance homes across Downtown Pomona, Phillips Ranch, Lincoln Park, and Wilton Heights — and every other corner of Pomona. Typing “broker near me” somewhere in Pomona? Phone and online is how Pomona files run here — the local read on Pomona comes with it.
The broker difference, Pomona edition.
Pomona market knowledge
From Downtown Pomona, Phillips Ranch, Lincoln Park to the Fairplex (LA County Fair) and California Botanic Garden, we track what Pomona homes really cost and which loans carry them.
First-time & assistance
The Pomona starting lineup is usually high-balance, FHA, first-time-buyer; we add whichever down-payment help your Pomona budget is eligible for.
Lenders shopped for you
We make lenders compete for Pomona business instead of squeezing Pomona buyers into a single bank's box.
Owner-handled
In Pomona you get the owner, Esther Buede, personally — no queue for Pomona files, and the Pomona attention shows in our reviews.
One name on every Pomona loan.
In Pomona, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Phillips Ranch to all Pomona — to closing. Not a call center — one expert on your Pomona file. Choice Home Mortgage has been a family brokerage since 2005. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
Pomona financing that fits the home and the borrower.
Near the Fairplex (LA County Fair) and California Botanic Garden, high-balance files are a Pomona staple for us. The Pomona playbook usually starts with high-balance, FHA, first-time-buyer — then we shop whatever your Pomona file calls for: jumbo, VA, non-QM, FHA loans, and conventional. Come in at your own pace — buying, exploring a refinance, or comparing paths — start your application here or call (949) 522-7310.
Pomona files here lean on high-balance, FHA, first-time-buyer, down-payment-assistance.
If the down payment is the wall between you and a Pomona home, read what assistance actually exists right now — CalHFA reaches Pomona.
Self-employed in Pomona? We also work with self-employed borrowers — 1099 income included, plus asset-based qualifying for Pomona investors. Want every unit count, not just single-family? Los Angeles County’s 2026 loan limits page has the full table. Pomona is one of the Los Angeles County communities we serve — see the county overview.
Beyond Pomona itself, Montclair, Diamond Bar, Chino buyers work with us the same way. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Pomona. Equal Housing Opportunity.
Pomona mortgage questions, answered.
Where does the Pomona conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Pomona is $1,249,125, the figure FHFA set for Los Angeles County. Because Los Angeles County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
Which programs fit Pomona first-time buyers?
FHA and conventional loans fit most first-time buyers in Pomona, 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. An FHA loan on one unit in Los Angeles County can go to $1,249,125 in 2026 (HUD).
Do you cover all of Pomona?
Yes, we cover all of Pomona, including Downtown Pomona, Phillips Ranch, Lincoln Park and Wilton Heights. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Downtown Pomona and Wilton Heights included.
Is Choice Home Mortgage local to Pomona?
Yes. Our Fountain Valley office is about 26 miles from Pomona, 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. Pomona buyers work with owner Esther Buede herself. For a one-unit home in Los Angeles County, the 2026 conforming limit is $1,249,125.
Do you serve areas near Pomona?
Yes. Besides Pomona, we also arrange loans in Montclair, Diamond Bar and Chino. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Pomona file.
Let's finance your Pomona home.
Tell us about the Pomona home you want — we'll match the program and make lenders compete for your Pomona loan.