Santa Clarita, CA
Santa Clarita home loans, built for Santa Clarita's market.
The right Santa Clarita loan respects Santa Clarita prices — high-balance, jumbo, refinance — structured for Valencia and every Santa Clarita block from day one.
Where do Santa Clarita buyers find a mortgage broker?
A Santa Clarita buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Santa Clarita loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Santa Clarita home is $1,249,125 (Los Angeles County, per FHFA). We start every Santa Clarita file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Santa Clarita home really takes.
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.
Those Santa Clarita realities set the strategy. For a Santa Clarita one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Santa Clarita buyers. That means high-balance and jumbo tools come up constantly in Santa Clarita — the first job on any Santa Clarita file is placing it against $1,249,125. Santa Clarita itself prices above the national norm, which is part of why Los Angeles County carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 179,000-plus people call Santa Clarita home, spread from Valencia to Canyon Country, with Simi Valley and Burbank minutes away. Six Flags Magic Mountain and William S. Hart Park to the Santa Clarita line — that’s ground we know well. Buyers come to us from Valencia, Newhall, Saugus, and Canyon Country, and from every other part of Santa Clarita. Looking for a mortgage broker near you in Santa Clarita? We serve Santa Clarita by phone and online, so Santa Clarita buyers get local-market help without driving anywhere.
The broker difference, Santa Clarita edition.
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
Jumbo, FHA high-balance, high-balance — that's the Santa Clarita toolkit, because Santa Clarita prices above the national norm and the financing keeps up.
Lenders shopped for you
Your Santa Clarita file gets shopped across many lenders — a broker working Santa Clarita, not one bank's sales desk.
Owner-handled
In Santa Clarita you get the owner, Esther Buede, personally — no queue for Santa Clarita files, and the Santa Clarita attention shows in our reviews.
One expert, application to keys.
Every Santa Clarita file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Santa Clarita plans — Newhall or anywhere Santa Clarita — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
The right Santa Clarita loan for your situation.
Santa Clarita’s pull — think Six Flags Magic Mountain and William S. Hart Park — keeps jumbo work coming. The Santa Clarita playbook usually starts with jumbo, FHA high-balance, high-balance — then we shop whatever your Santa Clarita file calls for: conventional, jumbo, VA, non-QM, and an FHA loan. Jump in at any stage: buying, exploring a refinance, or just running numbers — start your application here or call (949) 522-7310.
Santa Clarita files here lean on high-balance, jumbo, FHA high-balance.
Wondering about down-payment help in Santa Clarita? The real 2026 programs, verified — including statewide CalHFA options for Santa Clarita buyers.
Self-employed in Santa Clarita? We also work with self-employed buyers — bank-statement income included, plus bridge financing for Santa Clarita investors. See Los Angeles County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. Looking beyond Santa Clarita? Our Los Angeles County page covers the county-wide picture, including how its limits differ.
And around Santa Clarita: Simi Valley, Burbank, Stevenson Ranch are all in reach. See all California cities we serve →
Serving Santa Clarita as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Santa Clarita buyers.
Where does the Santa Clarita conforming loan limit sit for 2026?
$1,249,125 is the 2026 conforming limit for a single-family home in Santa Clarita, based on FHFA's figure for Los Angeles County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost Los Angeles County; above $1,249,125, the loan is jumbo. For two units, the Los Angeles County conforming limit is $1,599,375.
How do Santa Clarita buyers finance above the conforming limit?
Santa Clarita buyers who need more than $1,249,125 (the 2026 Los Angeles County limit) use a jumbo loan, or put more down so the loan stays under it. High-balance conforming covers loans from $832,750 up to $1,249,125 in Los Angeles County. Your file goes to many lenders, and you see their offers side by side.
Do you cover all of Santa Clarita?
Yes, we cover all of Santa Clarita, including Valencia, Newhall, Saugus and Canyon Country. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Loans from Valencia to Canyon Country go through owner Esther Buede, by phone and online.
Can you handle my Santa Clarita purchase remotely?
Yes. Owner Esther Buede handles Santa Clarita purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. The Los Angeles County conforming limit for one unit is $1,249,125 in 2026.
Do you serve areas near Santa Clarita?
Yes. Besides Santa Clarita, we also arrange loans in Simi Valley, Burbank and Stevenson Ranch. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Santa Clarita file.
Ready for your Santa Clarita address?
Straight answers on your Santa Clarita options, and a broker shopping the whole market for Santa Clarita buyers like you.