Sacramento, CA
Your Sacramento mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Sacramento — clear guidance from pre-approval through closing.
Inside the Sacramento mortgage market.
As California’s capital and a long-established landing spot for Bay Area price refugees, Sacramento carries a stable government-employment base and prices far more accessible than the Bay Area — a perennial first-time-buyer target.
That market shapes the loan. In Sacramento County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Sacramento purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Sacramento from the ground up — close to the California State Capitol. We finance homes across East Sacramento, Land Park, Midtown, and Oak Park — and every other corner of Sacramento. Looking for a mortgage broker near you in Sacramento? 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.
Sacramento market knowledge
Near the California State Capitol, across East Sacramento, Land Park, Midtown — we know Sacramento's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Sacramento buyers often start with FHA, first-time-buyer, conventional — 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 Sacramento file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Sacramento loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Sacramento, 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.”
Built around your Sacramento home, not a shelf product.
For Sacramento we lean on FHA, first-time-buyer, conventional — 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 Sacramento, we also help buyers in West Sacramento, Rancho Cordova, Elk Grove. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Sacramento mortgage questions, answered.
What's the 2026 conforming loan limit in Sacramento?
In Sacramento County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Sacramento?
Most Sacramento 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 Sacramento neighborhoods do you serve?
We serve buyers across Sacramento, including East Sacramento, Land Park, Midtown. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Sacramento?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Sacramento and the surrounding area.
Do you serve areas near Sacramento?
Yes — we also work with buyers in nearby West Sacramento, Rancho Cordova, Elk Grove. Same process, local loan-limit details for each.
Let's finance your Sacramento home.
No call center — just Esther. We'll find the program that fits your Sacramento purchase and do the lender legwork.