San Diego, CA
San Diego home loans, built for San Diego's market.
From jumbo to move-up money, San Diego loans get built around real San Diego price tags — North Park included, template excluded.
How San Diego buyers reach closing in San Diego.
San Diego is firmly high-cost, with median single-family prices above $1M; coastal neighborhoods lead appreciation while urban infill areas like North Park outperform the county average.
That San Diego market shapes the loan. San Diego County counts as high-cost, so San Diego buyers get a $1,104,000 one-unit ceiling on 2026 San Diego purchases. In practice, San Diego deals lean on high-balance and jumbo programs; mapping your San Diego price against $1,104,000 is where strategy starts. FHFA sets these limits annually; run your scenario by us.
Some 1.4 million people live in San Diego — North Park, Little Italy, and between — a short drive from National City or Chula Vista. From Balboa Park and the Coronado Bridge outward, we treat San Diego as home turf. We finance homes across North Park, La Jolla, Mission Hills, and Little Italy — and every other corner of San Diego. Need a broker near you in San Diego? Everything runs by phone and online, so San Diego expertise comes straight to you.
What working with us looks like.
San Diego market knowledge
From North Park, La Jolla, Mission Hills to the blocks near Balboa Park and the Coronado Bridge — San Diego pricing has a logic, and we work it daily.
High-balance & jumbo ready
Jumbo, VA, high-balance — that's the San Diego toolkit, because San Diego prices above the national norm and the financing keeps up.
Lenders shopped for you
One San Diego application, many lenders competing on it — that's what a San Diego buyer hires a broker for.
Owner-handled
Your San Diego file is handled by owner Esther Buede herself — in San Diego or National City, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Your San Diego loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole San Diego loan — from La Jolla across the San Diego map. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
San Diego financing that fits the home and the borrower.
Near Balboa Park and the Coronado Bridge, jumbo files are a San Diego staple for us. For San Diego we lean on jumbo, VA, high-balance — but whatever fits your San Diego file, we shop it: VA, non-QM, FHA, conventional, and jumbo. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
If the down payment is the wall between you and a San Diego home, read what assistance actually exists right now — CalHFA reaches San Diego.
And around San Diego: National City, Chula Vista, La Mesa are all in reach. See all California cities we serve →
Serving San Diego as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Diego mortgage questions, answered.
What's the 2026 conforming loan limit in San Diego?
San Diego County is high-cost, so a San Diego single-family purchase can reach $1,104,000 and stay conforming. FHFA resets these yearly; we'll verify your San Diego scenario.
Do San Diego buyers usually need jumbo financing?
San Diego's price points mean jumbo and high-balance financing come up constantly on San Diego files. We map your purchase against the limit first, then make lenders compete for it.
What parts of San Diego do you work in?
All of San Diego — including North Park, La Jolla, Mission Hills, Little Italy. The financing follows you across San Diego: the loan matches your San Diego file, never the ZIP.
Can you handle my San Diego purchase remotely?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works San Diego loans regularly — your San Diego file stays owner-handled, phone-and-online, San Diego to closing.
Do you serve areas near San Diego?
Yes — National City, Chula Vista, La Mesa are all in reach from San Diego. Same process; each area's own loan-limit details applied.
Let's get you home in San Diego.
Talk to the owner directly. We'll map the right loan for your San Diego home and put lenders in competition for San Diego business.