Tracy, CA
Buy your first Tracy home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Tracy budgets. We walk you through every step.
Inside the Tracy mortgage market.
Tracy is the westernmost affordable satellite of the Bay Area commuter belt, with ACE rail service to the Tri-Valley and Silicon Valley, structurally attractive to buyers priced out of Alameda, Contra Costa, and Santa Clara counties; its inventory skews to newer single-family construction offering more square footage per dollar.
That market shapes the loan. In San Joaquin County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Tracy purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Tracy from the ground up — close to the Great Wolf Lodge at the Altamont gateway. We finance homes across Regency Park, Gretchen Kemp area, Arbor Park, and MacArthur Drive corridor — and every other corner of Tracy. Looking for a mortgage broker near you in Tracy? 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.
Tracy market knowledge
Near the Great Wolf Lodge at the Altamont gateway, across Regency Park, Gretchen Kemp area, Arbor Park — we know Tracy's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Tracy buyers often start with FHA, first-time-buyer, conventional — 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 Tracy file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Tracy loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Tracy, 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.”
Built around your Tracy home, not a shelf product.
For Tracy we lean on FHA, first-time-buyer, conventional — 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 Tracy, we also help buyers in Manteca, Stockton, Modesto. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Tracy mortgage questions, answered.
What's the 2026 conforming loan limit in Tracy?
In San Joaquin County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Tracy?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Tracy. We match you to the ones you qualify for.
Which Tracy neighborhoods do you serve?
We serve buyers across Tracy, including Regency Park, Gretchen Kemp area, Arbor Park. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Tracy?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Tracy and the surrounding area.
Do you serve areas near Tracy?
Yes — we also work with buyers in nearby Manteca, Stockton, Modesto. Same process, local loan-limit details for each.
Let's finance your Tracy home.
No call center — just Esther. We'll find the program that fits your Tracy purchase and do the lender legwork.