Union City, CA
Union City home loans, built for Union City's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Union City's price points — not a one-size template.
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.
That market shapes the loan. Because Alameda County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many Union City buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Union City from the ground up — close to Coyote Hills Regional Park near the Union City BART. We finance homes across Decoto, Mission Hills, Seven Hills, and Downtown Union City — and every other corner of Union City. Looking for a mortgage broker near you in Union City? 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.
Union City market knowledge
Near Coyote Hills Regional Park near the Union City BART, across Decoto, Mission Hills, Seven Hills — we know how Union City prices and programs actually work.
High-balance & jumbo ready
Union City runs above the national norm — we structure high-balance, jumbo, conventional financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Union City file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Union City loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Union City, 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 Union City home, not a shelf product.
For Union City we lean on high-balance, jumbo, 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 Union City, we also help buyers in Fremont, Newark, Hayward. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Union City mortgage questions, answered.
What's the 2026 conforming loan limit in Union City?
In Alameda County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Union City?
Not always. Many Union City homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which Union City neighborhoods do you serve?
We serve buyers across Union City, including Decoto, Mission Hills, Seven Hills. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Union City?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Union City and the surrounding area.
Do you serve areas near Union City?
Yes — we also work with buyers in nearby Fremont, Newark, Hayward. Same process, local loan-limit details for each.
Let's finance your Union City home.
No call center — just Esther. We'll find the program that fits your Union City purchase and do the lender legwork.