San Diego, CA
San Diego home loans, built for San Diego's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Diego's price points — not a one-size template.
San Diego home loans, the honest version.
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 market shapes the loan. Because San Diego County is a high-cost area, the 2026 one-unit conforming limit is $1,104,000 — above the national baseline. So many San Diego buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,104,000 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work San Diego from the ground up — close to Balboa Park and the Coronado Bridge. We finance homes across North Park, La Jolla, Mission Hills, and Little Italy — and every other corner of San Diego. Looking for a mortgage broker near you in San Diego? 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 Diego market knowledge
Near Balboa Park and the Coronado Bridge, across North Park, La Jolla, Mission Hills — we know how San Diego prices and programs actually work.
High-balance & jumbo ready
San Diego runs above the national norm — we structure high-balance, jumbo, VA financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Diego file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Diego loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Diego, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Matched to your San Diego purchase, not a template.
For San Diego we lean on high-balance, jumbo, VA — 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 Diego, we also help buyers in National City, Chula Vista, La Mesa. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Diego mortgage questions, answered.
What's the 2026 conforming loan limit in San Diego?
In San Diego County, the 2026 conforming loan limit is $1,104,000 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 San Diego?
Not always. Many San Diego homes can be financed with high-balance conforming loans up to $1,104,000 before a true jumbo is needed. We'll tell you which fits your price point.
Which San Diego neighborhoods do you serve?
We serve buyers across San Diego, including North Park, La Jolla, Mission Hills. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Diego?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Diego and the surrounding area.
Do you serve areas near San Diego?
Yes — we also work with buyers in nearby National City, Chula Vista, La Mesa. Same process, local loan-limit details for each.
Let's finance your San Diego home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your San Diego purchase and shop the lenders for you.