San Ramon, CA
San Ramon home loans, built for San Ramon's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Ramon's price points — not a one-size template.
How San Ramon buyers get to the closing table.
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.
That market shapes the loan. Because Contra Costa County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many San Ramon 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 Ramon from the ground up — close to Bishop Ranch and City Center. We finance homes across Dougherty Valley, Windemere, Gale Ranch, and The Bridges — and every other corner of San Ramon. Looking for a mortgage broker near you in San Ramon? 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 Ramon market knowledge
Near Bishop Ranch and City Center, across Dougherty Valley, Windemere, Gale Ranch — we know how San Ramon prices and programs actually work.
High-balance & jumbo ready
San Ramon runs above the national norm — we structure high-balance, jumbo, RSU-income qualifying financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Ramon file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Ramon loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Ramon, 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!”
San Ramon financing that fits the home and the borrower.
For San Ramon we lean on high-balance, jumbo, RSU-income qualifying — 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 Ramon, we also help buyers in Danville, Dublin, Walnut Creek. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Ramon mortgage questions, answered.
What's the 2026 conforming loan limit in San Ramon?
In Contra Costa 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 Ramon?
Not always. Many San Ramon 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 Ramon neighborhoods do you serve?
We serve buyers across San Ramon, including Dougherty Valley, Windemere, Gale Ranch. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Ramon?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Ramon and the surrounding area.
Do you serve areas near San Ramon?
Yes — we also work with buyers in nearby Danville, Dublin, Walnut Creek. Same process, local loan-limit details for each.
Let's finance your San Ramon home.
Straight answers on your San Ramon options, and a broker who shops the whole market so you don't have to.