Richmond, CA
Your Richmond mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Richmond — clear guidance from pre-approval through closing.
How Richmond buyers get to the closing table.
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.
That market shapes the loan. Because Contra Costa County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Richmond 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 Richmond from the ground up — close to the Rosie the Riveter WWII Home Front National Historical Park. We finance homes across Point Richmond, Iron Triangle, Richmond Annex, and Marina Bay — and every other corner of Richmond. Looking for a mortgage broker near you in Richmond? 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.
Richmond market knowledge
Near the Rosie the Riveter WWII Home Front National Historical Park, across Point Richmond, Iron Triangle, Richmond Annex — we know Richmond's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Richmond buyers often start with high-balance, FHA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Richmond file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Richmond loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Richmond, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Richmond financing that fits the home and the borrower.
For Richmond we lean on high-balance, FHA, first-time-buyer — 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 Richmond, we also help buyers in Berkeley, San Rafael, San Francisco. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Richmond mortgage questions, answered.
What's the 2026 conforming loan limit in Richmond?
In Contra Costa 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.
Which loan types work best in Richmond?
Most Richmond buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Richmond neighborhoods do you serve?
We serve buyers across Richmond, including Point Richmond, Iron Triangle, Richmond Annex. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Richmond?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Richmond and the surrounding area.
Do you serve areas near Richmond?
Yes — we also work with buyers in nearby Berkeley, San Rafael, San Francisco. Same process, local loan-limit details for each.
Let's finance your Richmond home.
Straight answers on your Richmond options, and a broker who shops the whole market so you don't have to.