Santa Monica, CA
Santa Monica home loans, built for Santa Monica's market.
Santa Monica prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Santa Monica actually sells, from Ocean Park on out.
Inside the Santa Monica mortgage market.
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.
That Santa Monica market shapes the loan. Los Angeles County counts as high-cost, so Santa Monica buyers get a $1,249,125 one-unit ceiling on 2026 Santa Monica purchases. So many Santa Monica buyers use high-balance or jumbo financing — knowing where a Santa Monica purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
Some 92,000-plus people live in Santa Monica — Ocean Park, Downtown/Third Street, and between — a short drive from Culver City or 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. If you’re in Santa Monica hunting for a nearby broker: we work Santa Monica loans by phone and online, Santa Monica knowledge included.
What working with us looks like.
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
Many lenders bid on each Santa Monica file we bring them — Santa Monica buyers never shop one shelf.
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.
Santa Monica's file, the owner's desk.
Your Santa Monica loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Santa Monica loan — from Wilshire-Montana across the Santa Monica map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
The right Santa Monica loan for your situation.
Demand around the Santa Monica Pier keeps jumbo activity steady in Santa Monica. Santa Monica files most often land on jumbo, high-balance — and past those, every Santa Monica option gets shopped: FHA, conventional, jumbo, VA, and non-QM. Whenever you’re ready — buying, refinancing, or still weighing options — apply here or call (949) 522-7310.
First home in Santa Monica? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Santa Monica buyers too.
Close to Santa Monica, we also help buyers in Culver City, Inglewood, Hawthorne. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker serving Santa Monica — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Monica home-loan questions, straight answers.
How high can a conforming loan go in Santa Monica?
Up to $1,249,125 stays conforming on a Santa Monica single-family home in 2026. Source: FHFA; we'll run your exact Santa Monica scenario.
Do Santa Monica buyers usually need jumbo financing?
Santa Monica's price points mean jumbo and high-balance financing come up constantly on Santa Monica files. We map your purchase against the limit first, then make lenders compete for it.
Which Santa Monica neighborhoods do you serve?
Every corner of Santa Monica, from Ocean Park, Wilshire-Montana, North of Montana, Downtown/Third Street on out. A Santa Monica loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Santa Monica?
Absolutely. Santa Monica is core coverage for a California broker like us (NMLS #2629064); Santa Monica clients work directly with owner Esther Buede remotely.
Do you serve areas near Santa Monica?
Of course: Culver City, Inglewood, Hawthorne run the same as Santa Monica files, with each area's numbers checked separately.
Your Santa Monica keys are the goal.
Your Santa Monica plans, the owner's full attention, and a market of lenders shopped on your Santa Monica file's behalf.