San Diego County, California
The county-level mortgage broker.
San Diego County carries its own high-cost limit, distinct from both LA and the national baseline. Choice Home Mortgage has been closing loans since 2005 — shopping hundreds of lenders, guided by the owner herself.
Is there a mortgage broker serving San Diego County, CA?
Yes — Choice Home Mortgage serves buyers and homeowners across San Diego County, including San Diego, Chula Vista, Oceanside, Escondido, Carlsbad. We are a family-owned broker rather than a bank, so instead of selling one company's own product we put hundreds of lenders in competition for your file and bring you the one that actually fits.
For 2026 the one-unit conforming limit in San Diego County is $1,104,000, because San Diego County is a designated high-cost area, and the FHA limit matches it exactly at $1,104,000. That parity is unusual — in most counties the FHA ceiling sits well below conforming — so the figure quoted to you from a statewide table is often wrong. Above $1,104,000 you move into jumbo territory, which carries its own guidelines and its own underwriting.
Everything runs by phone and online on your schedule, with owner Esther Buede handling your loan personally from the first call through closing.
What San Diego County buyers can actually borrow.
Loan limits are set county by county, not statewide — which is why the figure an out-of-area lender quotes is so often wrong. For 2026 in San Diego County, CA, the one-unit conforming limit is $1,104,000 (San Diego County is a designated high-cost area).
In San Diego County the conforming and FHA one-unit limits happen to match at $1,104,000. That is unusual — in most counties they differ, sometimes by hundreds of thousands — so it is always worth checking the county rather than assuming a statewide figure. Above $1,104,000 you are in jumbo territory.
Multi-unit conforming limits run higher: $1,413,350 for two units, $1,708,400 for three, and $2,123,100 for four. See the full breakdown on our San Diego County loan-limit page.
Every corner of San Diego County.
We work across San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, Santee, Poway — by phone and online, on your schedule. See all the areas we serve →
Whatever the scenario, there is usually a loan for it: FHA for lower down payments and flexible credit, conventional for strong-credit buyers, jumbo above the county limit, VA for those who qualify, non-QM for self-employed income, and reverse mortgages for homeowners 62+. Start here.
San Diego County mortgage questions, answered.
What are the 2026 conforming loan limits in San Diego County?
For 2026 the one-unit conforming limit in San Diego County, CA is $1,104,000 — San Diego County is a designated high-cost area, so the limit sits above the national baseline. Multi-unit conforming limits run higher: $1,413,350 for two units, $1,708,400 for three, and $2,123,100 for four. Anything above the one-unit conforming limit is a jumbo loan with its own guidelines.
Is the FHA loan limit in San Diego County the same as the conforming limit?
In San Diego County they happen to match: both the 2026 conforming and FHA one-unit limits are $1,104,000. That is not true in most counties — in many the FHA figure is hundreds of thousands lower — so it is always worth confirming the number for the specific county you are buying in rather than assuming a statewide figure.
Which San Diego County cities do you serve?
We work with buyers and homeowners across San Diego County, including San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, and the surrounding communities. Everything runs by phone and online on your schedule — you do not need to come to an office.
Why does the county matter if the purchase price is the same?
Because loan limits are set county by county, not statewide — two homes at an identical price can qualify for different loans depending on which county line they fall on. In San Diego County the figure that matters is $1,104,000, which applies to both conforming and FHA financing here. It is also why a quote based on a statewide or national figure is so often wrong for this county.
Why use a broker instead of a big bank?
A bank can only offer its own loans. As a broker, Choice Home Mortgage puts hundreds of lenders in competition for your file — and having closed loans since 2005, we know which lenders are realistic in San Diego County. You also get one named person, owner Esther Buede, from application through closing instead of a call-center queue.
Let's finance your San Diego County home.
One call with the owner — honest, and no pressure. We'll confirm the exact San Diego County limits for your price point and shop the lenders for you.