San Ramon, CA
San Ramon home loans, built for San Ramon's market.
The right San Ramon loan respects San Ramon prices — high-balance, jumbo, refinance — structured for Dougherty Valley and every San Ramon block from day one.
Who can help me get a mortgage in San Ramon, CA?
Choice Home Mortgage arranges home loans for San Ramon 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 Ramon file from the first call to closing.
For 2026, a one-unit San Ramon home can carry a conforming loan of up to $1,249,125, the Contra Costa County limit FHFA sets, and we check where your San Ramon price falls before you write an offer. The whole process runs by phone and online.
What financing a San Ramon home really takes.
San Ramon’s identity is defined by Bishop Ranch, the largest business park in Contra Costa County, now undergoing an 8,400-home mixed-use conversion that will reshape housing supply over two decades while keeping the city a high-income, high-education address; excellent San Ramon Valley schools and I-680 access sustain luxury-tier demand against the high-balance ceiling.
Financing follows that San Ramon math. Contra Costa County counts as high-cost, so San Ramon buyers get a $1,249,125 one-unit ceiling on 2026 San Ramon purchases. That means high-balance and jumbo tools come up constantly in San Ramon — the first job on any San Ramon file is placing it against $1,249,125. San Ramon’s price tier is above the national norm, the same reality behind Contra Costa County’s high-cost limit. 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 Ramon holds 74,000-plus residents across pockets like Dougherty Valley and The Bridges, with Danville and Dublin right next door. From Bishop Ranch and City Center outward, we treat San Ramon as home turf. Whether the address is in Dougherty Valley, Windemere, Gale Ranch, and The Bridges or another San Ramon pocket entirely, the financing follows. A San Ramon broker without the drive: we handle San Ramon loans by phone and online, and the San Ramon market knowledge travels with us.
How we work San Ramon loans.
San Ramon market knowledge
From Dougherty Valley, Windemere, Gale Ranch to the blocks near Bishop Ranch and City Center — San Ramon pricing has a logic, and we work it daily.
High-balance & jumbo ready
Price tags in San Ramon sit above the national norm, so we build jumbo, RSU-income qualifying, high-balance strategies sized to San Ramon.
Lenders shopped for you
San Ramon loans here go to whichever lender earns them — we shop the San Ramon file wide.
Owner-handled
Esther Buede — the owner — works your San Ramon loan start to finish; our Google reviews show San Ramon buyers why that matters.
San Ramon's file, the owner's desk.
Every San Ramon file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your San Ramon plans — Windemere or anywhere San Ramon — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Matched to your San Ramon purchase, not a template.
Demand around Bishop Ranch and City Center keeps jumbo activity steady in San Ramon. San Ramon files most often land on jumbo, RSU-income qualifying, high-balance — and past those, every San Ramon option gets shopped: non-QM, an FHA loan, conventional, jumbo, and VA. Jump in at any stage: buying, refinancing, or just running numbers — apply here or call (949) 522-7310.
San Ramon files here lean on high-balance, jumbo, RSU-income qualifying.
If the down payment is the wall between you and a San Ramon home, read what assistance actually exists right now — CalHFA reaches San Ramon.
Not every San Ramon file fits a W-2 box — borrowers who work for themselves can qualify on 1099 income, and San Ramon investors can lean on no-income investor financing. See Contra Costa County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. San Ramon is one of the Contra Costa County communities we serve — see the county overview.
And around San Ramon: Danville, Dublin, Walnut Creek are all in reach. Every California city we cover →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving San Ramon. Equal Housing Opportunity.
San Ramon mortgage questions, answered.
What's the 2026 conforming loan limit in San Ramon?
The 2026 conforming loan limit for a one-unit home in San Ramon is $1,249,125, the figure FHFA set for Contra Costa County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost Contra Costa County; above $1,249,125, the loan is jumbo. Two-unit homes in Contra Costa County have a $1,599,375 conforming limit for 2026.
Is a jumbo loan the norm for San Ramon purchases?
The loan amount decides it: a San Ramon loan above $1,249,125 is jumbo, and at or below that figure it stays conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Contra Costa County. We shop the loan with many lenders and show you the offers side by side.
What parts of San Ramon do you work in?
Every part of San Ramon, including Dougherty Valley, Windemere, Gale Ranch and The Bridges. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Dougherty Valley to The Bridges go through owner Esther Buede, by phone and online.
Do you actually know the San Ramon market?
Yes. We price San Ramon loans off the 2026 Contra Costa County figures, $1,249,125 conforming and $1,249,125 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. San Ramon buyers work with owner Esther Buede herself.
Do you cover the towns around San Ramon?
Yes, the towns around San Ramon are covered, including Danville, Dublin and Walnut Creek. 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 Ramon file.
Ready for your San Ramon address?
Talk to the owner directly. We'll map the right loan for your San Ramon home and put lenders in competition for San Ramon business.