Santa Clara, CA
Santa Clara home loans, built for Santa Clara's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Santa Clara's price points — not a one-size template.
Santa Clara home loans, the honest version.
Santa Clara sits at the heart of Silicon Valley, home to Levi’s Stadium and the global headquarters of Intel, Nvidia, and Applied Materials; that concentration of high-paying tech employment drives structural demand independent of any single firm’s cycle.
That market shapes the loan. Because Santa Clara County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Santa Clara 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 Santa Clara from the ground up — close to Levi’s Stadium. We finance homes across Old Quad, Rivermark, Downtown Santa Clara, and Santa Clara University area — and every other corner of Santa Clara. Looking for a mortgage broker near you in Santa Clara? 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.
Santa Clara market knowledge
Near Levi's Stadium, across Old Quad, Rivermark, Downtown Santa Clara — we know how Santa Clara prices and programs actually work.
High-balance & jumbo ready
Santa Clara runs among the priciest in California — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Santa Clara file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Santa Clara loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Santa Clara, 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.”
Matched to your Santa Clara purchase, not a template.
For Santa Clara we lean on jumbo, high-balance — 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 Santa Clara, we also help buyers in Campbell, San Jose, Sunnyvale. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Clara mortgage questions, answered.
What's the 2026 conforming loan limit in Santa Clara?
In Santa Clara 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 Santa Clara?
Not always. Many Santa Clara 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 Santa Clara neighborhoods do you serve?
We serve buyers across Santa Clara, including Old Quad, Rivermark, Downtown Santa Clara. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Santa Clara?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Santa Clara and the surrounding area.
Do you serve areas near Santa Clara?
Yes — we also work with buyers in nearby Campbell, San Jose, Sunnyvale. Same process, local loan-limit details for each.
Let's finance your Santa Clara home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Santa Clara purchase and shop the lenders for you.