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.
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. FHFA sets these limits annually; run your scenario by us.
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), closing since 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.
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.
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?
For San Mateo, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your San Mateo purchase against them.
How do San Mateo buyers finance above the conforming limit?
Many San Mateo deals do cross into jumbo territory. The move on a San Mateo purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Which San Mateo neighborhoods do you serve?
Every corner of San Mateo, from Baywood, Shoreview, Beresford Manor, Aragon on out. A San Mateo loan prices off your file, not the neighborhood.
Can you handle my San Mateo purchase remotely?
Absolutely. San Mateo is core coverage for a California broker like us (NMLS #2629064); San Mateo clients work directly with owner Esther Buede remotely.
Do you serve areas near San Mateo?
Absolutely — San Bruno, South San Francisco, Redwood City included. The San Mateo playbook travels; only the county numbers change.
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.