San Mateo, CA
San Mateo home loans, built for San Mateo's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Mateo's price points — not a one-size template.
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.
That market shapes the loan. Because San Mateo County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many San Mateo buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work San Mateo from the ground up — close to the Hillsdale and Bay Meadows district. We finance homes across Baywood, Shoreview, Beresford Manor, and Aragon — and every other corner of San Mateo. Looking for a mortgage broker near you in San Mateo? 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 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
San Mateo runs above the national norm — we structure high-balance, jumbo financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Mateo file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Mateo loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Mateo, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your San Mateo home, not a shelf product.
For San Mateo we lean on high-balance, jumbo — 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 Mateo, we also help buyers in San Bruno, South San Francisco, Redwood City. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Mateo mortgage questions, answered.
What's the 2026 conforming loan limit in San Mateo?
In San Mateo County, the 2026 conforming loan limit is $1,249,125 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 Mateo?
Not always. Many San Mateo homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which San Mateo neighborhoods do you serve?
We serve buyers across San Mateo, including Baywood, Shoreview, Beresford Manor. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Mateo?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Mateo and the surrounding area.
Do you serve areas near San Mateo?
Yes — we also work with buyers in nearby San Bruno, South San Francisco, Redwood City. Same process, local loan-limit details for each.
Let's finance your San Mateo home.
No call center — just Esther. We'll find the program that fits your San Mateo purchase and do the lender legwork.