Santa Maria, CA
Buy your first Santa Maria home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Santa Maria budgets. We walk you through every step.
What financing a Santa Maria home really takes.
Santa Maria is the agricultural and logistics hub of interior Santa Barbara County, with a wine appellation and greenhouse-crop agriculture giving it a more diversified base than tourism-reliant coastal cities; Allan Hancock College brings young household-forming buyers in at entry price points.
That market shapes the loan. Because Santa Barbara County is a high-cost area, the 2026 one-unit conforming limit is $941,850 — above the national baseline. So many Santa Maria buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $941,850 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Santa Maria from the ground up — close to the Santa Maria Fairpark and Santa Maria-style barbecue tradition. We finance homes across Tanglewood, Bradley Square, Hancock Park, and Casa Del Rio — and every other corner of Santa Maria. Looking for a mortgage broker near you in Santa Maria? 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 Maria market knowledge
Near the Santa Maria Fairpark and Santa Maria-style barbecue tradition, across Tanglewood, Bradley Square, Hancock Park — we know Santa Maria's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Santa Maria buyers often start with high-balance, FHA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Santa Maria file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Santa Maria loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Santa Maria, 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.”
The right Santa Maria loan for your situation.
For Santa Maria we lean on high-balance, FHA, first-time-buyer — 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 Maria, we also help buyers in Lompoc, San Luis Obispo, Santa Barbara. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Maria mortgage questions, answered.
What's the 2026 conforming loan limit in Santa Maria?
In Santa Barbara County, the 2026 conforming loan limit is $941,850 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Santa Maria?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Santa Maria. We match you to the ones you qualify for.
Which Santa Maria neighborhoods do you serve?
We serve buyers across Santa Maria, including Tanglewood, Bradley Square, Hancock Park. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Santa Maria?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Santa Maria and the surrounding area.
Do you serve areas near Santa Maria?
Yes — we also work with buyers in nearby Lompoc, San Luis Obispo, Santa Barbara. Same process, local loan-limit details for each.
Let's finance your Santa Maria home.
Talk to the owner directly. We'll map the right loan for your Santa Maria home and put lenders in competition for it.