Tracy, CA
Buy your first Tracy home with confidence.
Real Tracy prices, real programs — FHA, first-time-buyer, conventional — matched to what your Tracy file qualifies for, in Regency Park and citywide.
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.
Financing follows that Tracy math. The 2026 conforming number for Tracy buyers in San Joaquin County is $832,750 — the baseline every Tracy file starts from. Most Tracy purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Tracy buyers. Source: FHFA 2026 limits. We’ll verify your numbers.
Roughly 84,000-plus people call Tracy home, spread from Regency Park to MacArthur Drive corridor, with Manteca and Stockton minutes away. the Great Wolf Lodge at the Altamont gateway to the Tracy line — that’s ground we know well. Regency Park, Gretchen Kemp area, Arbor Park, and MacArthur Drive corridor — we finance homes in each of them, and everywhere else Tracy reaches. Looking for a mortgage broker near you in Tracy? We serve Tracy by phone and online, so Tracy buyers get local-market help without driving anywhere.
What you get with a local broker.
Tracy market knowledge
We work Tracy street by street — Regency Park, Gretchen Kemp area, Arbor Park and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
Tracy buyers often start with FHA, first-time-buyer, conventional — we match Tracy files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
One Tracy application, many lenders competing on it — that's what a Tracy buyer hires a broker for.
Owner-handled
Esther Buede — the owner — works your Tracy loan start to finish; our Google reviews show Tracy buyers why that matters.
One owner, handling your whole loan.
Your Tracy loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Tracy loan — from Gretchen Kemp area across the Tracy map. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Tracy home, not a shelf product.
Around the Great Wolf Lodge at the Altamont gateway, FHA remains the workhorse of Tracy lending. For Tracy we lean on FHA, first-time-buyer, conventional — but whatever fits your Tracy file, we shop it: conventional, jumbo, VA, non-QM, and FHA. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
If the down payment is the wall between you and a Tracy home, read what assistance actually exists right now — CalHFA reaches Tracy.
Beyond Tracy itself, Manteca, Stockton, Modesto 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 Tracy. Equal Housing Opportunity.
Tracy home-loan questions, straight answers.
What's the 2026 conforming loan limit in Tracy?
The 2026 number covering Tracy is $832,750 on a single-family home; above it, jumbo guidelines apply to Tracy purchases. Per FHFA; confirm with us.
How do first-time buyers usually finance a Tracy home?
Most first-time Tracy buyers start with FHA, first-time-buyer, conventional — and we check which assistance fits your Tracy purchase before you commit.
Do you cover all of Tracy?
All of Tracy — including Regency Park, Gretchen Kemp area, Arbor Park, MacArthur Drive corridor. The financing follows you across Tracy: the loan matches your Tracy file, never the ZIP.
Is Choice Home Mortgage local to Tracy?
Yes — Tracy loans are everyday work for this family-owned California broker (NMLS #2629064); every Tracy file gets Esther Buede directly.
Do you serve areas near Tracy?
Yes — Manteca, Stockton, Modesto are all in reach from Tracy. Same process; each area's own loan-limit details applied.
Let's finance your Tracy home.
Your Tracy plans, the owner's full attention, and a market of lenders shopped on your Tracy file's behalf.