Sacramento, CA
Your Sacramento mortgage, done right.
Real Sacramento prices, real programs — FHA, first-time-buyer, conventional — matched to what your Sacramento file qualifies for, in East Sacramento and citywide.
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 Sacramento market shapes the loan. For Sacramento, 2026 conforming tops out at Sacramento County’s $832,750 baseline on one-unit Sacramento homes. That $832,750 ceiling covers most Sacramento price points — conventional, FHA, down-payment-assistance all stay on the Sacramento table. FHFA 2026 figures; your scenario gets verified before anything else.
Some 479,000-plus people live in Sacramento — East Sacramento, Oak Park, and between — a short drive from West Sacramento or Rancho Cordova. the California State Capitol to the Sacramento line — that’s ground we know well. East Sacramento, Land Park, Midtown, and Oak Park — we finance homes in each of them, and everywhere else Sacramento reaches. Need a broker near you in Sacramento? Everything runs by phone and online, so Sacramento expertise comes straight to you.
What you get with a local broker.
Sacramento market knowledge
We work Sacramento street by street — East Sacramento, Land Park, Midtown and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
FHA, first-time-buyer, conventional carry most Sacramento purchases — and we check every assistance program a Sacramento file qualifies for.
Lenders shopped for you
Many lenders bid on each Sacramento file we bring them — Sacramento buyers never shop one shelf.
Owner-handled
Owner Esther Buede guides your Sacramento loan personally — the named expert Sacramento clients would find praised across our Google reviews.
One name on every Sacramento loan.
Owner Esther Buede (individual NMLS #2003644) personally runs each Sacramento file — Land Park or any Sacramento address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Sacramento purchase, not a template.
Around the California State Capitol, FHA remains the workhorse of Sacramento lending. FHA, first-time-buyer, conventional carry most of our Sacramento work — and beyond those, Sacramento buyers get the full menu: conventional, jumbo, VA, non-QM, and FHA. Jump in at any stage: buying, refinancing, or just running numbers — begin online or call (949) 522-7310.
First home in Sacramento? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Sacramento buyers too.
Close to Sacramento, we also help buyers in West Sacramento, Rancho Cordova, Elk Grove. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Sacramento. Equal Housing Opportunity.
What Sacramento buyers ask us first.
What's the 2026 conforming loan limit in Sacramento?
Sacramento follows the $832,750 national baseline for 2026; a bigger Sacramento loan goes jumbo. FHFA-published — we'll check your exact numbers.
What loans help first-time buyers in Sacramento?
Most first-time Sacramento buyers start with FHA, first-time-buyer, conventional — and we check which assistance fits your Sacramento purchase before you commit.
What parts of Sacramento do you work in?
Every corner of Sacramento, from East Sacramento, Land Park, Midtown, Oak Park on out. A Sacramento loan prices off your file, not the neighborhood.
Can you handle my Sacramento purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Sacramento loans regularly — your Sacramento file stays owner-handled, phone-and-online, Sacramento to closing.
Do you cover the towns around Sacramento?
Of course: West Sacramento, Rancho Cordova, Elk Grove run the same as Sacramento files, with each area's numbers checked separately.
Ready for your Sacramento address?
Talk to the owner directly. We'll map the right loan for your Sacramento home and put lenders in competition for Sacramento business.