Riverside, CA
Your Riverside mortgage, done right.
Real Riverside prices, real programs — conventional, first-time-buyer, FHA — matched to what your Riverside file qualifies for, in Downtown/Mission Inn area and citywide.
Who can help me get a mortgage in Riverside, CA?
Choice Home Mortgage arranges home loans for Riverside buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Riverside file from the first call to closing.
For Riverside, FHFA's 2026 one-unit limit is $832,750 (Riverside County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Riverside home loans, the honest version.
Riverside is the Inland Empire’s civic and historic anchor, offering one of Southern California’s most accessible price points for buyers priced out of coastal markets, with the Mission Inn and UC Riverside anchoring demand.
Financing follows that Riverside math. In Riverside County, a Riverside one-unit purchase conforms up to 2026’s $832,750 baseline for Riverside files. With Riverside homes mostly under $832,750, conventional plus FHA plus down-payment-assistance all work on Riverside files. Riverside’s price tier is solidly middle-of-market. 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.
Riverside holds 316,000-plus residents across pockets like Downtown/Mission Inn area and Hawarden Hills, with Colton and Fontana right next door. Our Riverside knowledge is street-level — the area around the Mission Inn Hotel & Spa included. We finance homes across Downtown/Mission Inn area, Arlington, Wood Streets, and Hawarden Hills — and every other corner of Riverside. If you’re in Riverside hunting for a nearby broker: we work Riverside loans by phone and online, Riverside knowledge included.
What you get with a local broker.
Riverside market knowledge
Downtown/Mission Inn area, Arlington, Wood Streets, over to the Mission Inn Hotel & Spa — Riverside's pockets price differently, and the right program follows the pocket.
First-time & assistance
Riverside buyers often start with conventional, first-time-buyer, FHA — we match Riverside files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
One Riverside application, many lenders competing on it — that's what a Riverside buyer hires a broker for.
Owner-handled
Esther Buede — the owner — works your Riverside loan start to finish; our Google reviews show Riverside buyers why that matters.
The owner works your file. Personally.
Every Riverside file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Riverside plans — Arlington or anywhere Riverside — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
Built around your Riverside home, not a shelf product.
Near the Mission Inn Hotel & Spa, conventional files are a Riverside staple for us. The Riverside playbook usually starts with conventional, first-time-buyer, FHA — then we shop whatever your Riverside file calls for: conventional, jumbo, VA, non-QM, and FHA financing. Any starting point works: buying, exploring a refinance, or simply exploring — begin online or call (949) 522-7310.
The programs that come up most for Riverside buyers: FHA, conventional, first-time-buyer, down-payment-assistance.
First home in Riverside? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Riverside buyers too.
Not every Riverside file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and Riverside investors can lean on no-income investor financing. Riverside County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. We serve the wider county too: mortgage help across Riverside County.
Beyond Riverside itself, Colton, Fontana, Jurupa Valley buyers work with us the same way. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Riverside. Equal Housing Opportunity.
Riverside mortgage questions, answered.
What counts as a conforming loan amount in Riverside?
In Riverside, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Riverside County. Riverside County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
What loans help first-time buyers in Riverside?
First-time buyers in Riverside 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. For FHA, the 2026 one-unit limit in Riverside County is $690,000, per HUD. Some conventional programs accept 3% down from first-time buyers.
Which Riverside neighborhoods do you serve?
We finance homes in every Riverside neighborhood, including Downtown/Mission Inn area, Arlington, Wood Streets and Hawarden Hills. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. A Downtown/Mission Inn area address and a Hawarden Hills address get the same lender shopping from us.
Do you actually know the Riverside market?
Yes. We price Riverside loans off the 2026 Riverside County figures, $832,750 conforming and $690,000 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Every loan, Downtown/Mission Inn area to Hawarden Hills, is handled by owner Esther Buede.
Do you serve areas near Riverside?
Yes. Besides Riverside, we also arrange loans in Colton, Fontana and Jurupa Valley. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Riverside file. For a one-unit home in Riverside County, the 2026 conforming limit is $832,750.
Let's finance your Riverside home.
No call center — just Esther. We'll find what fits your Riverside purchase and do the Riverside lender legwork.