Salinas, CA
Salinas home loans, built for Salinas's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Salinas's price points — not a one-size template.
Inside the Salinas mortgage market.
Salinas is the seat and largest city of Monterey County, whose agricultural economy generates a broad labor market; buyers drawn by proximity to the Monterey Peninsula pay a premium over comparable Central Valley markets.
That market shapes the loan. Because Monterey County is a high-cost area, the 2026 one-unit conforming limit is $994,750 — above the national baseline. So many Salinas buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $994,750 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Salinas from the ground up — close to the National Steinbeck Center. We finance homes across Alisal/East Salinas, Sherwood Gardens, Oldtown Salinas, and North Salinas — and every other corner of Salinas. Looking for a mortgage broker near you in Salinas? 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.
Salinas market knowledge
Near the National Steinbeck Center, across Alisal/East Salinas, Sherwood Gardens, Oldtown Salinas — we know how Salinas prices and programs actually work.
High-balance & jumbo ready
Salinas runs above the national norm — we structure high-balance, FHA, first-time-buyer financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Salinas file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Salinas loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Salinas, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Salinas home, not a shelf product.
For Salinas we lean on high-balance, FHA, first-time-buyer — 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 Salinas, we also help buyers in Watsonville, Gilroy, Santa Cruz. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Salinas mortgage questions, answered.
What's the 2026 conforming loan limit in Salinas?
In Monterey County, the 2026 conforming loan limit is $994,750 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Salinas?
Not always. Many Salinas homes can be financed with high-balance conforming loans up to $994,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Salinas neighborhoods do you serve?
We serve buyers across Salinas, including Alisal/East Salinas, Sherwood Gardens, Oldtown Salinas. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Salinas?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Salinas and the surrounding area.
Do you serve areas near Salinas?
Yes — we also work with buyers in nearby Watsonville, Gilroy, Santa Cruz. Same process, local loan-limit details for each.
Let's finance your Salinas home.
No call center — just Esther. We'll find the program that fits your Salinas purchase and do the lender legwork.