Santa Clarita, CA
Santa Clarita home loans, built for Santa Clarita's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Santa Clarita's price points — not a one-size template.
How Santa Clarita buyers get to the closing table.
Santa Clarita is the primary family-formation destination for households priced out of the San Fernando Valley and Westside LA, offering newer master-planned inventory and strong schools within LA County boundaries.
That market shapes the loan. Because Los Angeles County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Santa Clarita 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 Clarita from the ground up — close to Six Flags Magic Mountain and William S. Hart Park. We finance homes across Valencia, Newhall, Saugus, and Canyon Country — and every other corner of Santa Clarita. Looking for a mortgage broker near you in Santa Clarita? 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 Clarita market knowledge
Near Six Flags Magic Mountain and William S. Hart Park, across Valencia, Newhall, Saugus — we know how Santa Clarita prices and programs actually work.
High-balance & jumbo ready
Santa Clarita runs above the national norm — we structure high-balance, jumbo, FHA high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Santa Clarita file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Santa Clarita loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Santa Clarita, 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.”
Santa Clarita financing that fits the home and the borrower.
For Santa Clarita we lean on high-balance, jumbo, FHA 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 Clarita, we also help buyers in La Quinta, Simi Valley, Burbank. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Clarita mortgage questions, answered.
What's the 2026 conforming loan limit in Santa Clarita?
In Los Angeles 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 Clarita?
Not always. Many Santa Clarita 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 Clarita neighborhoods do you serve?
We serve buyers across Santa Clarita, including Valencia, Newhall, Saugus. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Santa Clarita?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Santa Clarita and the surrounding area.
Do you serve areas near Santa Clarita?
Yes — we also work with buyers in nearby La Quinta, Simi Valley, Burbank. Same process, local loan-limit details for each.
Let's finance your Santa Clarita home.
Straight answers on your Santa Clarita options, and a broker who shops the whole market so you don't have to.