Redlands, CA
Redlands home loans, built for Redlands's market.
From jumbo to move-up money, Redlands loans get built around real Redlands price tags, Smiley Heights included.
Where do Redlands buyers find a mortgage broker?
A Redlands buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Redlands loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Redlands home is $832,750 (San Bernardino County, per FHFA). We start every Redlands file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Redlands home really takes.
Redlands is the Inland Empire’s only city with a Victorian-era historic downtown, a private university, and direct Metrolink/sbX BRT access to San Bernardino — a combination of heritage character and transit that structurally differentiates it from every other San Bernardino County market.
That Redlands market shapes the loan. In San Bernardino County, a Redlands one-unit purchase conforms up to 2026’s $832,750 baseline for Redlands files. That $832,750 ceiling covers most Redlands price points — conventional, FHA, first-time-buyer all stay on the Redlands table. Redlands’s price tier is above the national norm. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Some 69,000-plus people live in Redlands — Smiley Heights, Historic State Street district, and between — a short drive from Highland or Yucaipa. From the University of Redlands and historic State Street outward, we treat Redlands as home turf. Smiley Heights, South Redlands, Redlands Country Club, and Historic State Street district — we finance homes in each of them, and everywhere else Redlands reaches. Searching “mortgage broker near me” from Redlands? We cover Redlands by phone and online — Redlands-level market help, no office visit.
The broker difference, Redlands edition.
Redlands market knowledge
Smiley Heights, South Redlands, Redlands Country Club, the streets around the University of Redlands and historic State Street — we read Redlands's price points like locals, because that's how we work it.
Move-up & jumbo ready
Redlands runs above the national norm — we structure conventional, FHA, jumbo for Smiley Heights financing around Redlands price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Redlands file — not one bank's Redlands shelf.
Owner-handled
Your Redlands file is handled by owner Esther Buede herself — in Redlands or Highland, hers is the name buyers recognize from our reviews.
Your loan, one named expert.
In Redlands, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — South Redlands to all Redlands — to closing. Not a call center — one expert on your Redlands 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!”
Built around your Redlands home, not a shelf product.
Demand around the University of Redlands and historic State Street keeps conventional activity steady in Redlands. For Redlands we lean on conventional, FHA, jumbo for Smiley Heights — but whatever fits your Redlands file, we shop it: VA, non-QM, FHA loans, conventional, and jumbo. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Redlands files here lean on conventional, FHA, jumbo for Smiley Heights.
If the down payment is the wall between you and a Redlands home, read what assistance actually exists right now — CalHFA reaches Redlands.
Not every Redlands file fits a W-2 box — self-employed buyers can qualify on bank-statement income. See San Bernardino County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. For the county-level view, including which loans fit San Bernardino County prices, see our San Bernardino County page.
And around Redlands: Highland, Yucaipa, San Bernardino are all in reach. Every California city we cover →
A licensed California mortgage broker for Redlands: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Redlands buyers.
What counts as a conforming loan amount in Redlands?
The 2026 conforming loan limit for a one-unit home in Redlands is $832,750, the figure FHFA set for San Bernardino County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in San Bernardino County have a $1,066,250 conforming limit for 2026.
How do Redlands buyers finance above the conforming limit?
Redlands buyers who need more than $832,750 (the 2026 San Bernardino County limit) use a jumbo loan, or put more down so the loan stays under it. Putting more down keeps the loan at or under $832,750, which keeps it conforming. We put the loan in front of many lenders and compare what comes back.
Which Redlands neighborhoods do you serve?
All of them, from Smiley Heights to Historic State Street district; the rest of Redlands is covered too. 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, Smiley Heights and Historic State Street district included.
Can you handle my Redlands purchase remotely?
Yes. A Redlands 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. For a one-unit home in San Bernardino County, the 2026 conforming limit is $832,750.
Do you serve areas near Redlands?
Yes. Besides Redlands, we also arrange loans in Highland, Yucaipa and San Bernardino. 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 Redlands file. For a one-unit home in San Bernardino County, the 2026 conforming limit is $832,750.
Your Redlands keys are the goal.
Talk to the owner directly. We'll map the right loan for your Redlands home and put lenders in competition for Redlands business.