Redding, CA
Buy your first Redding home with confidence.
FHA, down-payment-assistance, conventional programs sized to Redding budgets — matched to your Redding file, from Enterprise to every corner of Redding.
Can a mortgage broker help me buy in Redding, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Redding, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Redding file best. Esther Buede, the owner, is the person you talk to.
The 2026 conforming limit for a one-unit Redding home is $832,750 (Shasta County, per FHFA). We start every Redding file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Redding mortgage market.
Redding offers prices well below California’s coastal metros, drawing relocating buyers from Sacramento and the Bay Area who get far more square footage; the Sacramento River, Whiskeytown Lake, and an extensive trail network provide a structural lifestyle draw independent of rate cycles.
The loan has to fit the Redding picture. Redding follows Shasta County’s national-baseline limit for 2026: $832,750 on a one-unit Redding home. Since typical Redding prices stay under $832,750, a Redding buyer keeps conventional, FHA, and VA all in play. As a market, Redding runs entry-level. 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.
From Enterprise over to Downtown Redding, Redding’s 91,000-plus residents sit within minutes of Shasta Lake and Anderson. From the Sundial Bridge at Turtle Bay outward, we treat Redding as home turf. Buyers come to us from Enterprise, Gold Hills, Mary Lake/West Redding, and Downtown Redding, and from every other part of Redding. A Redding broker without the drive: we handle Redding loans by phone and online, and the Redding market knowledge travels with us.
How we work Redding loans.
Redding market knowledge
Enterprise, Gold Hills, Mary Lake/West Redding, over to the Sundial Bridge at Turtle Bay — Redding's pockets price differently, and the right program follows the pocket.
First-time & assistance
The Redding starting lineup is usually FHA, down-payment-assistance, conventional; we add whichever down-payment help your Redding budget is eligible for.
Lenders shopped for you
Your Redding file gets shopped across many lenders — a broker working Redding, not one bank's sales desk.
Owner-handled
In Redding you get the owner, Esther Buede, personally — no queue for Redding files, and the Redding attention shows in our reviews.
One expert, application to keys.
In Redding, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Gold Hills to all Redding — to closing. Not a call center — one expert on your Redding file. Choice Home Mortgage has been a family brokerage since 2005. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Redding financing that fits the home and the borrower.
Redding’s pull — think the Sundial Bridge at Turtle Bay — keeps FHA work coming. The Redding playbook usually starts with FHA, down-payment-assistance, conventional — then we shop whatever your Redding file calls for: non-QM, FHA, conventional, jumbo, and VA. Whenever you’re ready — buying, refinancing, or still weighing options — apply here or call (949) 522-7310.
The programs that come up most for Redding buyers: FHA, down-payment-assistance, conventional, VA.
If the down payment is the wall between you and a Redding home, read what assistance actually exists right now — CalHFA reaches Redding.
Self-employed in Redding? We also work with 1099 and business-owner borrowers — bank-statement income included. Want every unit count, not just single-family? Shasta County’s 2026 loan limits page has the full table.
Close to Redding, we also help buyers in Shasta Lake, Anderson, Red Bluff. Browse our California service areas →
A licensed California mortgage broker for Redding: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Redding buyers.
Where does the Redding conforming loan limit sit for 2026?
In Redding, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Shasta County. Shasta County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Which programs fit Redding first-time buyers?
FHA, conventional and VA loans fit most first-time buyers in Redding, 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. HUD's 2026 FHA limit for one unit in Shasta County is $541,287.
What parts of Redding do you work in?
Every part of Redding, including Enterprise, Gold Hills, Mary Lake/West Redding and Downtown Redding. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. An Enterprise address and a Downtown Redding address get the same lender shopping from us.
Do you actually know the Redding market?
Yes. We price Redding loans off the 2026 Shasta County figures, $832,750 conforming and $541,287 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede handles each loan herself.
Do you serve areas near Redding?
Yes. Besides Redding, we also arrange loans in Shasta Lake, Anderson and Red Bluff. 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 Redding file.
Your Redding keys are the goal.
Straight answers on your Redding options, and a broker shopping the whole market for Redding buyers like you.