Santa Monica, CA
Santa Monica home loans, built for Santa Monica's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Santa Monica's price points — not a one-size template.
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.
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 Monica 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 Monica from the ground up — close to the Santa Monica Pier. We finance homes across Ocean Park, Wilshire-Montana, North of Montana, and Downtown/Third Street — and every other corner of Santa Monica. Looking for a mortgage broker near you in Santa Monica? 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 Monica market knowledge
Near the Santa Monica Pier, across Ocean Park, Wilshire-Montana, North of Montana — we know how Santa Monica prices and programs actually work.
High-balance & jumbo ready
Santa Monica runs among the priciest in California — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Santa Monica file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Santa Monica loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Santa Monica, 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 →
“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.”
Matched to your Santa Monica purchase, not a template.
For Santa Monica we lean on jumbo, 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 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 — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Santa Monica mortgage questions, answered.
What's the 2026 conforming loan limit in Santa Monica?
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 Monica?
Not always. Many Santa Monica 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 Monica neighborhoods do you serve?
We serve buyers across Santa Monica, including Ocean Park, Wilshire-Montana, North of Montana. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Santa Monica?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Santa Monica and the surrounding area.
Do you serve areas near Santa Monica?
Yes — we also work with buyers in nearby Culver City, Inglewood, Hawthorne. Same process, local loan-limit details for each.
Let's finance your Santa Monica home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Santa Monica purchase and shop the lenders for you.