Richmond, CA
Your Richmond mortgage, done right.
Real Richmond prices, real programs — high-balance, FHA, first-time-buyer — matched to what your Richmond file qualifies for, in Point Richmond and citywide.
What financing a Richmond home really takes.
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 Richmond market shapes the loan. For a Richmond one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Richmond buyers. 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. Source: FHFA 2026 limits. We’ll verify your numbers.
Some 107,000-plus people live in Richmond — Point Richmond, Marina Bay, and between — a short drive from Berkeley or San Rafael. From the Rosie the Riveter WWII Home Front National Historical Park outward, we treat Richmond as home turf. Buyers come to us from Point Richmond, Iron Triangle, Richmond Annex, and Marina Bay, and from every other part of Richmond. Searching “mortgage broker near me” from Richmond? We cover Richmond by phone and online — Richmond-level market help, no office visit.
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
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
Many lenders bid on each Richmond file we bring them — Richmond buyers never shop one shelf.
Owner-handled
Esther Buede — the owner — works your Richmond loan start to finish; our Google reviews show Richmond buyers why that matters.
The owner works your file. Personally.
Owner Esther Buede (individual NMLS #2003644) personally runs each Richmond file — Iron Triangle or any Richmond address — first call to keys, as she’s done since 2005. 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.
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 financing. Start when you’re ready: buying, refinancing your mortgage, or just exploring — begin online or call (949) 522-7310.
First home in Richmond? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Richmond buyers too.
Self-employed in Richmond? We also work with self-employed borrowers — 1099 income included, plus asset-based qualifying for Richmond investors. Want every unit count, not just single-family? Contra Costa County’s 2026 loan limits page has the full table.
Close to Richmond, we also help buyers in Berkeley, San Rafael, San Francisco. Browse our California service areas →
A licensed California mortgage broker for Richmond: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Richmond mortgage questions, answered.
Where does the Richmond conforming loan limit sit for 2026?
Because Contra Costa County counts as high-cost, Richmond buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Richmond numbers.
What loans help first-time buyers in Richmond?
High-balance, FHA, first-time-buyer do the heavy lifting for Richmond first-timers. We sort which fit your numbers, plus any assistance your Richmond file earns.
Which Richmond neighborhoods do you serve?
All of Richmond — including Point Richmond, Iron Triangle, Richmond Annex, Marina Bay. The financing follows you across Richmond: the loan matches your Richmond file, never the ZIP.
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.
What if I'm buying just outside Richmond?
Berkeley, San Rafael, San Francisco — all covered alongside Richmond, each with its own limit details worked in.
Your Richmond keys are the goal.
One call with the owner — local, honest, no pressure. We'll match the program to your Richmond purchase and shop lenders for your Richmond file.