Redlands, CA
Redlands home loans, built for Redlands's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Redlands's price points — not a one-size template.
Redlands home loans, the honest version.
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 market shapes the loan. In San Bernardino County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Redlands purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Redlands from the ground up — close to the University of Redlands and historic State Street. We finance homes across Smiley Heights, South Redlands, Redlands Country Club, and Historic State Street district — and every other corner of Redlands. Looking for a mortgage broker near you in Redlands? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Redlands market knowledge
Near the University of Redlands and historic State Street, across Smiley Heights, South Redlands, Redlands Country Club — we know how Redlands prices and programs actually work.
Move-up & jumbo ready
Redlands runs above the national norm — we structure conventional, FHA, jumbo for Smiley Heights financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Redlands file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Redlands loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Redlands, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Matched to your Redlands purchase, not a template.
For Redlands we lean on conventional, FHA, jumbo for Smiley Heights — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Redlands, we also help buyers in Highland, Yucaipa, San Bernardino. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Redlands mortgage questions, answered.
What's the 2026 conforming loan limit in Redlands?
In San Bernardino County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Redlands?
Not always. Many Redlands homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Redlands neighborhoods do you serve?
We serve buyers across Redlands, including Smiley Heights, South Redlands, Redlands Country Club. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Redlands?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Redlands and the surrounding area.
Do you serve areas near Redlands?
Yes — we also work with buyers in nearby Highland, Yucaipa, San Bernardino. Same process, local loan-limit details for each.
Let's finance your Redlands home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Redlands purchase and shop the lenders for you.