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.
Can a mortgage broker help me buy in Richmond, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving Richmond, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the Richmond file best. Esther Buede, the owner, is the person you talk to.
For Richmond, FHFA's 2026 one-unit limit is $1,249,125 (Contra Costa County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. Richmond’s price tier is solidly middle-of-market, the same reality behind Contra Costa County’s high-cost limit. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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. Choice Home Mortgage has been family-run 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.
Richmond files here lean on high-balance, FHA, first-time-buyer, jumbo.
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. Richmond is one of the Contra Costa County communities we serve — see the county overview.
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?
A conforming loan on a one-unit Richmond home can go up to $1,249,125 in 2026, which is FHFA's limit for Contra Costa County. Contra Costa County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
What loans help first-time buyers in Richmond?
First-time buyers in Richmond most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Contra Costa County is $1,249,125. Some conventional programs accept 3% down from first-time buyers.
Which Richmond neighborhoods do you serve?
We finance homes in every Richmond neighborhood, including Point Richmond, Iron Triangle, Richmond Annex and Marina Bay. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Point Richmond to Marina Bay go through owner Esther Buede, by phone and online.
Can you handle my Richmond purchase remotely?
Yes. Owner Esther Buede handles Richmond purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. For a one-unit home in Contra Costa County, the 2026 conforming limit is $1,249,125.
What if I'm buying just outside Richmond?
Buying just outside Richmond changes nothing on our side; we also arrange loans in Berkeley, San Rafael and San Francisco. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Richmond file.
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.