Redwood City, CA
Redwood City home loans, built for Redwood City's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Redwood City's price points — not a one-size template.
What financing a Redwood City home really takes.
Redwood City is the San Mateo County seat anchoring the mid-Peninsula tech corridor, home to major corporate campuses (Oracle built here; EA is HQ’d in Redwood Shores); its revitalized walkable downtown and Caltrain access to both tech hubs make it one of the Peninsula’s most structurally in-demand markets.
That market shapes the loan. Because San Mateo County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Redwood City buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Redwood City from the ground up — close to the Redwood Shores waterfront (Oracle/EA campuses). We finance homes across Redwood Shores, Emerald Hills, Downtown Redwood City, and Farm Hills Estates — and every other corner of Redwood City. Looking for a mortgage broker near you in Redwood City? 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.
Redwood City market knowledge
Near the Redwood Shores waterfront (Oracle/EA campuses), across Redwood Shores, Emerald Hills, Downtown Redwood City — we know how Redwood City prices and programs actually work.
High-balance & jumbo ready
Redwood City runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Redwood City file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Redwood City loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Redwood City, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The right Redwood City loan for your situation.
For Redwood City we lean on high-balance, jumbo — 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 Redwood City, we also help buyers in Palo Alto, San Mateo, Mountain View. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Redwood City mortgage questions, answered.
What's the 2026 conforming loan limit in Redwood City?
In San Mateo County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Redwood City?
Not always. Many Redwood City homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Redwood City neighborhoods do you serve?
We serve buyers across Redwood City, including Redwood Shores, Emerald Hills, Downtown Redwood City. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Redwood City?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Redwood City and the surrounding area.
Do you serve areas near Redwood City?
Yes — we also work with buyers in nearby Palo Alto, San Mateo, Mountain View. Same process, local loan-limit details for each.
Let's finance your Redwood City home.
Talk to the owner directly. We'll map the right loan for your Redwood City home and put lenders in competition for it.