San Bernardino, CA
Buy your first San Bernardino home with confidence.
We fit the loan to your San Bernardino plans — first-time-buyer, down-payment-assistance, FHA and more — walking San Bernardino buyers through it, Downtown to closing day.
Can a mortgage broker help me buy in San Bernardino, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving San Bernardino, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the San Bernardino file best. Esther Buede, the owner, is the person you talk to.
For 2026, a one-unit San Bernardino home can carry a conforming loan of up to $832,750, the San Bernardino County limit FHFA sets, and we check where your San Bernardino price falls before you write an offer. The whole process runs by phone and online.
San Bernardino home loans, the honest version.
San Bernardino is the county seat of San Bernardino County, on the northeast side of the Inland Empire valley at the base of the San Bernardino Mountains and home to Cal State San Bernardino; prices here are structurally lower than coastal LA and Orange counties by a persistent margin; it is a first-generation homeownership market dominated by single-family detached homes.
Financing follows that San Bernardino math. In San Bernardino County, a San Bernardino one-unit purchase conforms up to 2026’s $832,750 baseline for San Bernardino files. Most San Bernardino purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and down-payment-assistance open for San Bernardino buyers. San Bernardino’s price tier is entry-level. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Downtown over to Westside, San Bernardino’s 213,000-plus residents sit within minutes of Colton and Highland. San Bernardino isn’t an abstraction to us — we know it down to the California Theatre and historic Route 66. Downtown, Del Rosa, University District, and Westside — we finance homes in each of them, and everywhere else San Bernardino reaches. Typing “broker near me” somewhere in San Bernardino? Phone and online is how San Bernardino files run here — the local read on San Bernardino comes with it.
How we work San Bernardino loans.
San Bernardino market knowledge
From Downtown, Del Rosa, University District to the California Theatre and historic Route 66, we track what San Bernardino homes really cost and which loans carry them.
First-time & assistance
The San Bernardino starting lineup is usually first-time-buyer, down-payment-assistance, FHA; we add whichever down-payment help your San Bernardino budget is eligible for.
Lenders shopped for you
Many lenders bid on each San Bernardino file we bring them — San Bernardino buyers never shop one shelf.
Owner-handled
In San Bernardino you get the owner, Esther Buede, personally — no queue for San Bernardino files, and the San Bernardino attention shows in our reviews.
Your loan, one named expert.
Every San Bernardino file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your San Bernardino plans — Del Rosa or anywhere San Bernardino — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your San Bernardino purchase, not a template.
Demand around the California Theatre and historic Route 66 keeps first-time-buyer activity steady in San Bernardino. The San Bernardino playbook usually starts with first-time-buyer, down-payment-assistance, FHA — then we shop whatever your San Bernardino file calls for: an FHA loan, conventional, jumbo, VA, and non-QM. Whenever you’re ready — buying, refinancing, or still weighing options — begin online or call (949) 522-7310.
The programs that come up most for San Bernardino buyers: FHA, first-time-buyer, down-payment-assistance.
Short on the down payment for a San Bernardino home? Here’s what assistance is genuinely available — statewide CalHFA help covers San Bernardino.
Not every San Bernardino file fits a W-2 box — self-employed borrowers can qualify on bank-statement income, and San Bernardino investors can lean on asset-based qualifying. The full San Bernardino County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. San Bernardino is one of the San Bernardino County communities we serve — see the county overview.
And around San Bernardino: Colton, Highland, Rialto are all in reach. Every California city we cover →
Serving San Bernardino as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Bernardino mortgage questions, answered.
Where does the San Bernardino conforming loan limit sit for 2026?
In San Bernardino, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for San Bernardino County. San Bernardino 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.
How do first-time buyers usually finance a San Bernardino home?
First-time buyers in San Bernardino usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in San Bernardino County can go to $690,000 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Which San Bernardino neighborhoods do you serve?
All of them, from Downtown to Westside; the rest of San Bernardino is covered too. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Downtown to Westside go through owner Esther Buede, by phone and online.
Is Choice Home Mortgage local to San Bernardino?
Not in person: San Bernardino is about 47 miles from our Fountain Valley office, but it is inside our California service area. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede takes Downtown and Westside files by phone and online, application to closing.
What if I'm buying just outside San Bernardino?
Buying just outside San Bernardino changes nothing on our side; we also arrange loans in Colton, Highland and Rialto. 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 San Bernardino file.
Beyond San Bernardino: nearby cities we work
Your San Bernardino keys are the goal.
Straight answers on your San Bernardino options, and a broker shopping the whole market for San Bernardino buyers like you.