San Mateo, CA
San Mateo home loans, built for San Mateo's market.
The right San Mateo loan respects San Mateo prices — high-balance, jumbo, refinance — structured for Baywood and every San Mateo block from day one.
Where do San Mateo buyers find a mortgage broker?
A San Mateo buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each San Mateo loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit San Mateo home is $1,249,125 (San Mateo County, per FHFA). We start every San Mateo file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the San Mateo mortgage market.
San Mateo sits at the economic center of the SF Peninsula, with Caltrain access to both San Francisco and Silicon Valley from one city — a structural commute advantage that sustains demand regardless of tech-hiring cycles; its bay position and top-tier schools draw dual-income professional households.
Financing follows that San Mateo math. Because San Mateo County is high-cost, a San Mateo one-unit purchase can reach $1,249,125 and stay conforming on a San Mateo file. That means high-balance and jumbo tools come up constantly in San Mateo — the first job on any San Mateo file is placing it against $1,249,125. San Mateo itself prices above the national norm, which is part of why San Mateo 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 13, 2026.
Roughly 101,000-plus people call San Mateo home, spread from Baywood to Aragon, with San Bruno and South San Francisco minutes away. the Hillsdale and Bay Meadows district to the San Mateo line — that’s ground we know well. We finance homes across Baywood, Shoreview, Beresford Manor, and Aragon — and every other corner of San Mateo. Typing “broker near me” somewhere in San Mateo? Phone and online is how San Mateo files run here — the local read on San Mateo comes with it.
What you get with a local broker.
San Mateo market knowledge
Near the Hillsdale and Bay Meadows district, across Baywood, Shoreview, Beresford Manor — we know how San Mateo prices and programs actually work.
High-balance & jumbo ready
High-balance, jumbo — that's the San Mateo toolkit, because San Mateo prices above the national norm and the financing keeps up.
Lenders shopped for you
We make lenders compete for San Mateo business instead of squeezing San Mateo buyers into a single bank's box.
Owner-handled
Your San Mateo file is handled by owner Esther Buede herself — in San Mateo or San Bruno, hers is the name buyers recognize from our reviews.
The owner works your file. Personally.
Your San Mateo loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole San Mateo loan — from Shoreview across the San Mateo map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Built around your San Mateo home, not a shelf product.
San Mateo’s pull — think the Hillsdale and Bay Meadows district — keeps high-balance work coming. The San Mateo playbook usually starts with high-balance, jumbo — then we shop whatever your San Mateo file calls for: FHA, conventional, jumbo, VA, and non-QM. Whenever you’re ready — buying, refinancing, or still weighing options — apply here or call (949) 522-7310.
For San Mateo, that usually means high-balance, jumbo.
Buying your first San Mateo place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in San Mateo.
Not every San Mateo file fits a W-2 box — self-employed borrowers can qualify on 1099 income, and San Mateo investors can lean on DSCR investor loans. See San Mateo County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
And around San Mateo: San Bruno, South San Francisco, Redwood City are all in reach. Every California city we cover →
Choice Home Mortgage is a licensed California mortgage broker serving San Mateo — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What San Mateo buyers ask us first.
What's the 2026 conforming loan limit in San Mateo?
$1,249,125 is the 2026 conforming limit for a single-family home in San Mateo, based on FHFA's figure for San Mateo County. San Mateo 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 San Mateo buyers finance above the conforming limit?
San Mateo buyers who need more than $1,249,125 (the 2026 San Mateo County limit) use a jumbo loan, or put more down so the loan stays under it. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for San Mateo County. We put the loan in front of many lenders and compare what comes back.
Which San Mateo neighborhoods do you serve?
We finance homes in every San Mateo neighborhood, including Baywood, Shoreview, Beresford Manor and Aragon. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Loans from Baywood to Aragon go through owner Esther Buede, by phone and online.
Can you handle my San Mateo purchase remotely?
Yes. Owner Esther Buede handles San Mateo purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for San Mateo County is $1,249,125.
Do you serve areas near San Mateo?
Yes. Besides San Mateo, we also arrange loans in San Bruno, South San Francisco and Redwood City. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a San Mateo file.
Your San Mateo keys are the goal.
Talk to the owner directly. We'll map the right loan for your San Mateo home and put lenders in competition for San Mateo business.