San Bernardino, CA
Buy your first San Bernardino home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit San Bernardino budgets. We walk you through every step.
San Bernardino home loans, the honest version.
San Bernardino sits at the western edge of the Inland Empire, where prices 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.
That market shapes the loan. In San Bernardino County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most San Bernardino 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 San Bernardino from the ground up — close to the California Theatre and historic Route 66. We finance homes across Downtown, Del Rosa, University District, and Westside — and every other corner of San Bernardino. Looking for a mortgage broker near you in San Bernardino? 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.
San Bernardino market knowledge
Near the California Theatre and historic Route 66, across Downtown, Del Rosa, University District — we know San Bernardino's neighborhoods, prices, and the programs that fit them.
First-time & assistance
San Bernardino buyers often start with FHA, first-time-buyer, down-payment-assistance — 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 San Bernardino file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your San Bernardino loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Bernardino, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Matched to your San Bernardino purchase, not a template.
For San Bernardino we lean on FHA, first-time-buyer, down-payment-assistance — 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 San Bernardino, we also help buyers in Colton, Highland, Rialto. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Bernardino mortgage questions, answered.
What's the 2026 conforming loan limit in San Bernardino?
In San Bernardino 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.
What loans help first-time buyers in San Bernardino?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in San Bernardino. We match you to the ones you qualify for.
Which San Bernardino neighborhoods do you serve?
We serve buyers across San Bernardino, including Downtown, Del Rosa, University District. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Bernardino?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Bernardino and the surrounding area.
Do you serve areas near San Bernardino?
Yes — we also work with buyers in nearby Colton, Highland, Rialto. Same process, local loan-limit details for each.
Let's finance your San Bernardino home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your San Bernardino purchase and shop the lenders for you.