Richmond, CA
Your Richmond mortgage, done right.
Your Richmond budget picks the program — high-balance, FHA, first-time-buyer — and we handle the Richmond lender legwork, whether you're eyeing Point Richmond or beyond.
How Richmond buyers reach closing in Richmond.
Richmond offers waterfront Bay Area living below most BART-connected cities, with ferry service to San Francisco giving both rail and water transit downtown; the historic Point Richmond district and the 350-acre Marina Bay redevelopment on former Kaiser Shipyard land anchor a long-term growth corridor.
The loan has to fit the Richmond picture. Because Contra Costa County is high-cost, a Richmond one-unit purchase can reach $1,249,125 and stay conforming on a Richmond file. So many Richmond buyers use high-balance or jumbo financing — knowing where a Richmond purchase lands against that $1,249,125 line is half the work. FHFA sets these limits annually; run your scenario by us.
Roughly 107,000-plus people call Richmond home, spread from Point Richmond to Marina Bay, with Berkeley and San Rafael minutes away. Richmond isn’t an abstraction to us — we know it down to the Rosie the Riveter WWII Home Front National Historical Park. Whether the address is in Point Richmond, Iron Triangle, Richmond Annex, and Marina Bay or another Richmond pocket entirely, the financing follows. A Richmond broker without the drive: we handle Richmond loans by phone and online, and the Richmond market knowledge travels with us.
What working with us looks like.
Richmond market knowledge
Point Richmond, Iron Triangle, Richmond Annex, over to the Rosie the Riveter WWII Home Front National Historical Park — Richmond's pockets price differently, and the right program follows the pocket.
First-time & assistance
High-balance, FHA, first-time-buyer carry most Richmond purchases — and we check every assistance program a Richmond file qualifies for.
Lenders shopped for you
One Richmond application, many lenders competing on it — that's what a Richmond buyer hires a broker for.
Owner-handled
Your Richmond file is handled by owner Esther Buede herself — in Richmond or Berkeley, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Every Richmond file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Richmond plans — Iron Triangle or anywhere Richmond — and your name from the first call. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Matched to your Richmond purchase, not a template.
Near the Rosie the Riveter WWII Home Front National Historical Park, high-balance files are a Richmond staple for us. For Richmond we lean on high-balance, FHA, first-time-buyer — but whatever fits your Richmond file, we shop it: conventional, jumbo, VA, non-QM, and FHA. Jump in at any stage: buying, refinancing, or just running numbers — start your application here or call (949) 522-7310.
Richmond first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Beyond Richmond itself, Berkeley, San Rafael, San Francisco buyers work with us the same way. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker serving Richmond — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Richmond mortgage questions, answered.
What counts as a conforming loan amount in Richmond?
Contra Costa County is high-cost, so a Richmond single-family purchase can reach $1,249,125 and stay conforming. FHFA resets these yearly; we'll verify your Richmond scenario.
How do first-time buyers usually finance a Richmond home?
For Richmond first-timers the workhorses are high-balance, FHA, first-time-buyer. We match Richmond buyers to the down-payment and first-time programs their file qualifies for.
Which Richmond neighborhoods do you serve?
Every corner of Richmond, from Point Richmond, Iron Triangle, Richmond Annex, Marina Bay on out. A Richmond loan prices off your file, not the neighborhood.
Can you handle my Richmond purchase remotely?
Absolutely. Richmond is core coverage for a California broker like us (NMLS #2629064); Richmond clients work directly with owner Esther Buede remotely.
Do you cover the towns around Richmond?
Berkeley, San Rafael, San Francisco — all covered alongside Richmond, each with its own limit details worked in.
Ready for your Richmond address?
Tell us about the Richmond home you want — we'll match the program and make lenders compete for your Richmond loan.