Santa Monica, CA
Santa Monica home loans, built for Santa Monica's market.
High-balance, jumbo, move-up, refinance: whatever a Santa Monica purchase needs — near Ocean Park or anywhere Santa Monica — the loan fits the market.
Who can help me get a mortgage in Santa Monica, CA?
Choice Home Mortgage arranges home loans for Santa Monica buyers and homeowners. We are a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046), family-owned since 2005, and owner Esther Buede works every Santa Monica file from the first call to closing.
The 2026 conforming limit for a one-unit Santa Monica home is $1,249,125 (Los Angeles County, per FHFA). We start every Santa Monica file by placing the price against that number, then handle the application, documents and updates by phone and online.
Santa Monica home loans, the honest version.
Santa Monica is one of the most land-constrained coastal cities in Southern California, bounded by the Pacific, Malibu, and built-out neighbors — a permanent supply ceiling that, with global demand and beach access, creates one of the most durable luxury price floors in the LA market.
Those Santa Monica realities set the strategy. For a Santa Monica one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Santa Monica buyers. Plenty of Santa Monica purchases cross that $1,249,125 threshold, so the right high-balance or jumbo structure is routine Santa Monica work for us. Santa Monica’s price tier is among the priciest in California, the same reality behind Los Angeles County’s high-cost limit. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
From Ocean Park over to Downtown/Third Street, Santa Monica’s 92,000-plus residents sit within minutes of Culver City and Inglewood. Santa Monica isn’t an abstraction to us — we know it down to the Santa Monica Pier. Buyers come to us from Ocean Park, Wilshire-Montana, North of Montana, and Downtown/Third Street, and from every other part of Santa Monica. Looking for a mortgage broker near you in Santa Monica? We serve Santa Monica by phone and online, so Santa Monica buyers get local-market help without driving anywhere.
What you get with a local broker.
Santa Monica market knowledge
From Ocean Park, Wilshire-Montana, North of Montana to the blocks near the Santa Monica Pier — Santa Monica pricing has a logic, and we work it daily.
High-balance & jumbo ready
Jumbo, high-balance — that's the Santa Monica toolkit, because Santa Monica prices with the most expensive in California and the financing keeps up.
Lenders shopped for you
Your Santa Monica file gets shopped across many lenders — a broker working Santa Monica, not one bank's sales desk.
Owner-handled
Your Santa Monica file is handled by owner Esther Buede herself — in Santa Monica or Culver City, hers is the name buyers recognize from our reviews.
One expert, application to keys.
In Santa Monica, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Wilshire-Montana to all Santa Monica — to closing. Not a call center — one expert on your Santa Monica file. Choice Home Mortgage has been a family brokerage since 2005. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The right Santa Monica loan for your situation.
Near the Santa Monica Pier, jumbo files are a Santa Monica staple for us. Santa Monica files most often land on jumbo, high-balance — and past those, every Santa Monica option gets shopped: an FHA loan, conventional, jumbo, VA, and non-QM. Whenever you’re ready — buying, refinancing, or still weighing options — apply here or call (949) 522-7310.
Santa Monica files here lean on jumbo, high-balance.
First home in Santa Monica? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Santa Monica buyers too.
Self-employed in Santa Monica? We also work with 1099 and business-owner borrowers — 1099 income included, plus no-income investor financing for Santa Monica investors. See Los Angeles County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. We serve the wider county too: mortgage help across Los Angeles County.
Beyond Santa Monica itself, Culver City, Inglewood, Hawthorne buyers work with us the same way. Browse our California service areas →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Santa Monica. Equal Housing Opportunity.
Real questions from Santa Monica buyers.
Where does the Santa Monica conforming loan limit sit for 2026?
$1,249,125 is the 2026 conforming limit for a single-family home in Santa Monica, 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 Monica buyers finance above the conforming limit?
Santa Monica 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. A loan between the $832,750 national baseline and $1,249,125 is high-balance conforming in Los Angeles County. We shop the loan with many lenders and show you the offers side by side.
Do you cover all of Santa Monica?
Yes, we cover all of Santa Monica, including Ocean Park, Wilshire-Montana, North of Montana and Downtown/Third Street. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. An Ocean Park address and a Downtown/Third Street address get the same lender shopping from us.
Is Choice Home Mortgage local to Santa Monica?
Choice Home Mortgage works out of Fountain Valley, roughly 37 miles from Santa Monica, and serves it remotely. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede takes Ocean Park and Downtown/Third Street files by phone and online, application to closing.
Do you cover the towns around Santa Monica?
Yes, the towns around Santa Monica are covered, including Culver City, Inglewood and Hawthorne. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Santa Monica file.
Let's finance your Santa Monica home.
Talk to the owner directly. We'll map the right loan for your Santa Monica home and put lenders in competition for Santa Monica business.