Union City, CA
Union City home loans, built for Union City's market.
From jumbo to move-up money, Union City loans get built around real Union City price tags — Decoto included, template excluded.
Inside the Union City mortgage market.
Union City is the southernmost BART-accessible node in Alameda County before the pricing wall of Mission San Jose and Fremont’s Warm Springs, making it the East Bay’s last meaningful price step for buyers seeking rail access to SF, Oakland, and Silicon Valley; the Decoto corridor provides entry-level single-family inventory rare in neighboring cities.
Financing follows that Union City math. Alameda County counts as high-cost, so Union City buyers get a $1,249,125 one-unit ceiling on 2026 Union City purchases. That means high-balance and jumbo tools come up constantly in Union City — the first job on any Union City file is placing it against $1,249,125. FHFA sets these limits annually; run your scenario by us.
Union City holds 72,000-plus residents across pockets like Decoto and Downtown Union City, with Fremont and Newark right next door. We work Union City from the ground up — close to Coyote Hills Regional Park near the Union City BART. Buyers come to us from Decoto, Mission Hills, Seven Hills, and Downtown Union City, and from every other part of Union City. Need a broker near you in Union City? Everything runs by phone and online, so Union City expertise comes straight to you.
The broker difference, Union City edition.
Union City market knowledge
From Decoto, Mission Hills, Seven Hills to the blocks near Coyote Hills Regional Park near the Union City BART — Union City pricing has a logic, and we work it daily.
High-balance & jumbo ready
Price tags in Union City sit above the national norm, so we build jumbo, conventional, high-balance strategies sized to Union City.
Lenders shopped for you
As a broker we put many lenders in competition for your Union City file — not one bank's Union City shelf.
Owner-handled
Owner Esther Buede guides your Union City loan personally — the named expert Union City clients would find praised across our Google reviews.
Union City's file, the owner's desk.
Every Union City file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Union City plans — Mission Hills or anywhere Union City — and your name from the first call. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Union City financing that fits the home and the borrower.
Demand around Coyote Hills Regional Park near the Union City BART keeps jumbo activity steady in Union City. For Union City we lean on jumbo, conventional, high-balance — but whatever fits your Union City file, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — start your application here or call (949) 522-7310.
Union City first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Close to Union City, we also help buyers in Fremont, Newark, Hayward. Every California city we cover →
Choice Home Mortgage is a licensed California mortgage broker serving Union City — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Union City home-loan questions, straight answers.
Where does the Union City conforming loan limit sit for 2026?
Because Alameda County counts as high-cost, Union City buyers get a $1,249,125 single-family ceiling for 2026. Per FHFA — we'll confirm your Union City numbers.
How do Union City buyers finance above the conforming limit?
Often, yes — Union City prices push many Union City purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Union City file around where the price lands.
Which Union City neighborhoods do you serve?
Every corner of Union City, from Decoto, Mission Hills, Seven Hills, Downtown Union City on out. A Union City loan prices off your file, not the neighborhood.
Can you handle my Union City purchase remotely?
Union City? Definitely. California-licensed (NMLS #2629064) with Union City squarely covered — your Union City loan runs remotely and owner-handled.
Do you serve areas near Union City?
Absolutely — Fremont, Newark, Hayward included. The Union City playbook travels; only the county numbers change.
Ready for your Union City address?
Your Union City plans, the owner's full attention, and a market of lenders shopped on your Union City file's behalf.