Tustin, CA
Tustin home loans, built for Tustin's market.
From jumbo to move-up money, Tustin loans get built around real Tustin price tags, Old Town Tustin included.
Where do Tustin buyers find a mortgage broker?
A Tustin buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each Tustin loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit Tustin home is $1,249,125 (Orange County, per FHFA). We start every Tustin file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Tustin home really takes.
Tustin’s Tustin Legacy development — the adaptive reuse of a decommissioned Marine air station — is one of Orange County’s largest infill projects, adding new stock in a land-constrained subregion; the dual character of Old Town’s historic district and master-planned new construction gives it broad buyer coverage at OC’s $1.2M+ bands.
That Tustin market shapes the loan. For a Tustin one-unit home, the 2026 conforming line sits at $1,249,125 — high-cost-area room for Tustin buyers. So many Tustin buyers use high-balance or jumbo financing — knowing where a Tustin purchase lands against that $1,249,125 line is half the work. Tustin’s price tier is above the national norm, the same reality behind Orange County’s high-cost limit. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Some 78,000-plus people live in Tustin — Old Town Tustin, Tustin Legacy, and between — a short drive from Santa Ana or Irvine. Ask us about Tustin blocks near the MCAS Tustin blimp hangars — that’s the level we work at. We finance homes across Old Town Tustin, Tustin Ranch, Columbus Square, and Tustin Legacy — and every other corner of Tustin. Need a broker near you in Tustin? Everything runs by phone and online, so Tustin expertise comes straight to you.
What working with us looks like.
Tustin market knowledge
From Old Town Tustin, Tustin Ranch, Columbus Square to the blocks near the MCAS Tustin blimp hangars — Tustin pricing has a logic, and we work it daily.
High-balance & jumbo ready
Jumbo, conventional, high-balance — that's the Tustin toolkit, because Tustin prices above the national norm and the financing keeps up.
Lenders shopped for you
Your Tustin file gets shopped across many lenders — a broker working Tustin, not one bank's sales desk.
Owner-handled
Owner Esther Buede guides your Tustin loan personally — the named expert Tustin clients would find praised across our Google reviews.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Tustin file — Tustin Ranch or any Tustin address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Tustin financing that fits the home and the borrower.
Tustin’s pull — think the MCAS Tustin blimp hangars — keeps jumbo work coming. Tustin files most often land on jumbo, conventional, high-balance — and past those, every Tustin option gets shopped: conventional, jumbo, VA, non-QM, and FHA financing. Whenever you’re ready — buying, exploring a refinance, or still weighing options — start your application here or call (949) 522-7310.
Tustin files here lean on high-balance, jumbo, conventional.
If the down payment is the wall between you and a Tustin home, read what assistance actually exists right now — CalHFA reaches Tustin.
Self-employed in Tustin? We also work with borrowers who work for themselves — 1099 income included, plus DSCR investor loans for Tustin investors. See Orange County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Close to Tustin, we also help buyers in Santa Ana, Irvine, Orange. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Tustin. Equal Housing Opportunity.
Real questions from Tustin buyers.
What counts as a conforming loan amount in Tustin?
The 2026 conforming loan limit for a one-unit home in Tustin is $1,249,125, the figure FHFA set for Orange County. Orange County is a high-cost area, so a loan between the $832,750 national baseline and $1,249,125 is high-balance conforming, and anything above $1,249,125 is jumbo. Two-unit homes in Orange County have a $1,599,375 conforming limit for 2026.
Do Tustin buyers usually need jumbo financing?
Only loans above $1,249,125 need jumbo financing in Tustin; that is the 2026 Orange County limit, and anything at or under it is conforming. Between $832,750 and $1,249,125, a loan is still conforming under the high-balance rules for Orange County. Choice Home Mortgage compares offers from many lenders on each loan.
What parts of Tustin do you work in?
Every part of Tustin, including Old Town Tustin, Tustin Ranch, Columbus Square and Tustin Legacy. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Old Town Tustin and Tustin Legacy included.
Do you actually know the Tustin market?
Yes. We price Tustin loans off the 2026 Orange County figures, $1,249,125 conforming and $1,249,125 FHA, and check each purchase against them. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Every loan, Old Town Tustin to Tustin Legacy, is handled by owner Esther Buede.
Do you cover the towns around Tustin?
Yes, the towns around Tustin are covered, including Santa Ana, Irvine and Orange. Every address is checked against its own county's 2026 limit before we quote. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Tustin file. For a one-unit home in Orange County, the 2026 conforming limit is $1,249,125.
Let's finance your Tustin home.
Your Tustin plans, the owner's full attention, and a market of lenders shopped on your Tustin file's behalf.