San Rafael, CA
San Rafael home loans, built for San Rafael's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Rafael's price points — not a one-size template.
What financing a San Rafael home really takes.
San Rafael is Marin County’s largest city and county seat, combining the county’s natural amenity base — ridgeline trails, bay views, Point Reyes proximity — with the most accessible price points in a county where the median detached home regularly exceeds $1.5M; its transit hub status gives structural commuter demand from San Francisco.
That market shapes the loan. Because Marin County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many San Rafael 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 Rafael from the ground up — close to the Frank Lloyd Wright-designed Marin Civic Center. We finance homes across Terra Linda, Downtown San Rafael, Glenwood/Sun Valley, and Dominican — and every other corner of San Rafael. Looking for a mortgage broker near you in San Rafael? 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 Rafael market knowledge
Near the Frank Lloyd Wright-designed Marin Civic Center, across Terra Linda, Downtown San Rafael, Glenwood/Sun Valley — we know how San Rafael prices and programs actually work.
High-balance & jumbo ready
San Rafael runs among the priciest in California — we structure high-balance, jumbo, wealth-management financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Rafael file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Rafael loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Rafael, 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 →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
The right San Rafael loan for your situation.
For San Rafael we lean on high-balance, jumbo, wealth-management — 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 Rafael, we also help buyers in Richmond, Novato, San Francisco. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Rafael mortgage questions, answered.
What's the 2026 conforming loan limit in San Rafael?
In Marin 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 Rafael?
Not always. Many San Rafael 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 Rafael neighborhoods do you serve?
We serve buyers across San Rafael, including Terra Linda, Downtown San Rafael, Glenwood/Sun Valley. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Rafael?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Rafael and the surrounding area.
Do you serve areas near San Rafael?
Yes — we also work with buyers in nearby Richmond, Novato, San Francisco. Same process, local loan-limit details for each.
Let's finance your San Rafael home.
Talk to the owner directly. We'll map the right loan for your San Rafael home and put lenders in competition for it.