Vallejo, CA
Your Vallejo mortgage, done right.
FHA, first-time-buyer, conventional programs sized to Vallejo budgets — matched to your Vallejo file, from Glen Cove to every corner of Vallejo.
Is there a mortgage broker serving Vallejo, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Vallejo is in our service area. Owner Esther Buede handles each Vallejo loan herself and compares many lenders for it, so a Vallejo buyer is not limited to one bank's programs.
For Vallejo, FHFA's 2026 one-unit limit is $832,750 (Solano County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Vallejo mortgage market.
Vallejo is the most affordable entry into the Bay Area, in Solano County with SF ferry access; the historic Mare Island shipyard — the first US naval station on the West Coast — is a redeveloping anchor drawing buyers priced out of inner Bay Area counties.
Financing follows that Vallejo math. Vallejo follows Solano County’s national-baseline limit for 2026: $832,750 on a one-unit Vallejo home. That $832,750 ceiling covers most Vallejo price points — conventional, FHA, first-time-buyer all stay on the Vallejo table. As a market, Vallejo runs solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 118,000-plus people call Vallejo home, spread from Glen Cove to Downtown Vallejo, with Napa and Martinez minutes away. the historic Mare Island shipyard to the Vallejo line — that’s ground we know well. We finance homes across Glen Cove, Hiddenbrooke, Mare Island, and Downtown Vallejo — and every other corner of Vallejo. Searching “mortgage broker near me” from Vallejo? We cover Vallejo by phone and online — Vallejo-level market help, no office visit.
The broker difference, Vallejo edition.
Vallejo market knowledge
From Glen Cove, Hiddenbrooke, Mare Island to the historic Mare Island shipyard, we track what Vallejo homes really cost and which loans carry them.
First-time & assistance
Vallejo buyers often start with FHA, first-time-buyer, conventional — we match Vallejo files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
One Vallejo application, many lenders competing on it — that's what a Vallejo buyer hires a broker for.
Owner-handled
Owner Esther Buede guides your Vallejo loan personally — the named expert Vallejo clients would find praised across our Google reviews.
Vallejo's file, the owner's desk.
Every Vallejo file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). She’ll know your Vallejo plans — Hiddenbrooke or anywhere Vallejo — and your name from the first call. Choice Home Mortgage has closed loans since 2005. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Vallejo home, not a shelf product.
Demand around the historic Mare Island shipyard keeps FHA activity steady in Vallejo. FHA, first-time-buyer, conventional carry most of our Vallejo work — and beyond those, Vallejo buyers get the full menu: VA, non-QM, FHA financing, conventional, and jumbo. Jump in at any stage: buying, refinancing your mortgage, or just running numbers — begin online or call (949) 522-7310.
For Vallejo, that usually means FHA, first-time-buyer, conventional.
Buying your first Vallejo place? We wrote up the down-payment assistance programs that are really open, CalHFA included — it applies in Vallejo.
Self-employed in Vallejo? We also work with 1099 and business-owner borrowers — 1099 income included. Solano County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Vallejo: Napa, Martinez, Fairfield are all in reach. Browse our California service areas →
A licensed California mortgage broker for Vallejo: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
What Vallejo buyers ask us first.
How high can a conforming loan go in Vallejo?
The 2026 conforming loan limit for a one-unit home in Vallejo is $832,750, the figure FHFA set for Solano County. Solano County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules. Two-unit homes in Solano County have a $1,066,250 conforming limit for 2026.
How do first-time buyers usually finance a Vallejo home?
First-time buyers in Vallejo usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Solano County is $685,400. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Vallejo?
Yes, we cover all of Vallejo, including Glen Cove, Hiddenbrooke, Mare Island and Downtown Vallejo. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Owner Esther Buede handles every file by phone and online, Glen Cove and Downtown Vallejo included.
Can you handle my Vallejo purchase remotely?
Yes. Owner Esther Buede handles Vallejo purchases by phone and online, from the application through closing. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. FHFA's 2026 one-unit limit for Solano County is $832,750. HUD's 2026 FHA limit for one unit in Solano County is $685,400.
What if I'm buying just outside Vallejo?
Buying just outside Vallejo changes nothing on our side; we also arrange loans in Napa, Martinez and Fairfield. 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 Vallejo file.
Ready for your Vallejo address?
One call with the owner — local, honest, no pressure. We'll match the program to your Vallejo purchase and shop lenders for your Vallejo file.