San Leandro, CA
Your San Leandro mortgage, done right.
Your San Leandro budget picks the program — jumbo, high-balance, conventional — and we handle the San Leandro lender legwork, whether you're eyeing Estudillo Estates or beyond.
Who can help me get a mortgage in San Leandro, CA?
Choice Home Mortgage arranges home loans for San Leandro buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every San Leandro file from the first call to closing.
For 2026, a one-unit San Leandro home can carry a conforming loan of up to $1,249,125, the Alameda County limit FHFA sets, and we check where your San Leandro price falls before you write an offer. The whole process runs by phone and online.
Inside the San Leandro mortgage market.
San Leandro is the southernmost East Bay city with direct BART service, a structural pricing buffer for buyers priced out of Oakland and Berkeley; Ghirardelli and Kaiser anchor employment, and the I-880/I-580 confluence gives manufacturing and distribution stability.
Those San Leandro realities set the strategy. Because Alameda County is high-cost, a San Leandro one-unit purchase can reach $1,249,125 and stay conforming on a San Leandro file. That means high-balance and jumbo tools come up constantly in San Leandro — the first job on any San Leandro file is placing it against $1,249,125. As a market, San Leandro runs solidly middle-of-market — consistent with Alameda County’s high-cost status. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
San Leandro holds 87,000-plus residents across pockets like Estudillo Estates and Washington Manor, with Oakland and Hayward right next door. Ask us about San Leandro blocks near the historic Bal Theatre — that’s the level we work at. Buyers come to us from Estudillo Estates, Bay-O-Vista, Broadmoor, and Washington Manor, and from every other part of San Leandro. Searching “mortgage broker near me” from San Leandro? We cover San Leandro by phone and online — San Leandro-level market help, no office visit.
The broker difference, San Leandro edition.
San Leandro market knowledge
Estudillo Estates, Bay-O-Vista, Broadmoor, over to the historic Bal Theatre — San Leandro's pockets price differently, and the right program follows the pocket.
First-time & assistance
Jumbo, high-balance, conventional carry most San Leandro purchases — and we check every assistance program a San Leandro file qualifies for.
Lenders shopped for you
We make lenders compete for San Leandro business instead of squeezing San Leandro buyers into a single bank's box.
Owner-handled
In San Leandro you get the owner, Esther Buede, personally — no queue for San Leandro files, and the San Leandro attention shows in our reviews.
One name on every San Leandro loan.
Your San Leandro loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole San Leandro loan — from Bay-O-Vista across the San Leandro map. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
The right San Leandro loan for your situation.
Near the historic Bal Theatre, jumbo files are a San Leandro staple for us. The San Leandro playbook usually starts with jumbo, high-balance, conventional — then we shop whatever your San Leandro file calls for: jumbo, VA, non-QM, an FHA loan, and conventional. Start when you’re ready: buying, refinancing your mortgage, or just exploring — apply online or call (949) 522-7310.
The programs that come up most for San Leandro buyers: high-balance, conventional, jumbo.
First home in San Leandro? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to San Leandro buyers too.
Not every San Leandro file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income, and San Leandro investors can lean on no-income investor financing. See Alameda County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. We serve the wider county too: mortgage help across Alameda County.
And around San Leandro: Oakland, Hayward, Alameda are all in reach. Browse our California service areas →
A licensed California mortgage broker for San Leandro: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What San Leandro buyers ask us first.
What counts as a conforming loan amount in San Leandro?
The 2026 conforming loan limit for a one-unit home in San Leandro is $1,249,125, the figure FHFA set for Alameda County. Alameda County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo.
How do first-time buyers usually finance a San Leandro home?
First-time buyers in San Leandro usually finance with conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Alameda County is $1,249,125. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which San Leandro neighborhoods do you serve?
All of them, from Estudillo Estates to Washington Manor; the rest of San Leandro is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Estudillo Estates and Washington Manor included.
Is Choice Home Mortgage local to San Leandro?
Not in person: San Leandro is about 364 miles from our Fountain Valley office, but it is inside our California service area. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. From Estudillo Estates to Washington Manor, the application, documents and updates run by phone and online.
Do you serve areas near San Leandro?
Yes. Besides San Leandro, we also arrange loans in Oakland, Hayward and Alameda. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a San Leandro file. The Alameda County conforming limit for one unit is $1,249,125 in 2026.
Let's finance your San Leandro home.
No call center — just Esther. We'll find what fits your San Leandro purchase and do the San Leandro lender legwork.