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.
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. Limits per FHFA 2026; verify your scenario with us.
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 since 2005. Not a call center — one expert on your Santa Monica file. 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.
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.
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?
For Santa Monica, the 2026 single-family ceiling is $1,249,125 — a high-cost figure. FHFA publishes the limits; we'll map your Santa Monica purchase against them.
How do Santa Monica buyers finance above the conforming limit?
Many Santa Monica deals do cross into jumbo territory. The move on a Santa Monica purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Do you cover all of Santa Monica?
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?
Santa Monica? Definitely. California-licensed (NMLS #2629064) with Santa Monica squarely covered — your Santa Monica loan runs remotely and owner-handled.
Do you cover the towns around Santa Monica?
We do: buyers in Culver City, Inglewood, Hawthorne work with us like Santa Monica buyers do, local limits checked for each.
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.