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.
Can a mortgage broker help me buy in San Diego, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving San Diego, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the San Diego file best. Esther Buede, the owner, is the person you talk to.
For San Diego, FHFA's 2026 one-unit limit is $1,104,000 (San Diego County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. San Diego itself prices above the national norm, which is part of why San Diego County carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
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). The family brokerage dates to 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 financing, conventional, and jumbo. Come in at your own pace — buying, refinancing, or comparing paths — apply online or call (949) 522-7310.
For San Diego, that usually means high-balance, jumbo, VA.
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.
San Diego self-employed borrowers get their own path here, qualifying on 1099 income instead of W-2s; San Diego investors have asset-based qualifying too. The full San Diego County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. Looking beyond San Diego? Our San Diego County page covers the county-wide picture, including how its limits differ.
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?
The 2026 conforming loan limit for a one-unit home in San Diego is $1,104,000, the figure FHFA set for San Diego County. Because San Diego County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
Do San Diego buyers usually need jumbo financing?
Only loans above $1,104,000 need jumbo financing in San Diego; that is the 2026 San Diego County limit, and anything at or under it is conforming. Between $832,750 and $1,104,000, a loan is still conforming under the high-balance rules for San Diego County. We shop the loan with many lenders and show you the offers side by side.
What parts of San Diego do you work in?
Every part of San Diego, including North Park, La Jolla, Mission Hills and Little Italy. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Loans from North Park to Little Italy go through owner Esther Buede, by phone and online.
Can you handle my San Diego purchase remotely?
Yes. A San Diego purchase runs by phone and online, and owner Esther Buede handles the file from application to closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. For a one-unit home in San Diego County, the 2026 conforming limit is $1,104,000.
Do you serve areas near San Diego?
Yes. Besides San Diego, we also arrange loans in National City, Chula Vista and La Mesa. 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 Diego file.
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.