Vallejo, CA
Your Vallejo mortgage, done right.
Your Vallejo budget picks the program — FHA, first-time-buyer, conventional — and we handle the Vallejo lender legwork, whether you're eyeing Glen Cove or beyond.
Vallejo home loans, the honest version.
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.
The loan has to fit the Vallejo picture. For Vallejo, 2026 conforming tops out at Solano County’s $832,750 baseline on one-unit Vallejo homes. Most Vallejo purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Vallejo buyers. Limits per FHFA 2026; verify your scenario with us.
From Glen Cove over to Downtown Vallejo, Vallejo’s 118,000-plus residents sit within minutes of Napa and Martinez. Vallejo isn’t an abstraction to us — we know it down to the historic Mare Island shipyard. We finance homes across Glen Cove, Hiddenbrooke, Mare Island, and Downtown Vallejo — and every other corner of Vallejo. Need a broker near you in Vallejo? Everything runs by phone and online, so Vallejo expertise comes straight to you.
The broker difference, Vallejo edition.
Vallejo market knowledge
Near the historic Mare Island shipyard, across Glen Cove, Hiddenbrooke, Mare Island — we know Vallejo's neighborhoods, prices, and the programs that fit them.
First-time & assistance
The Vallejo starting lineup is usually FHA, first-time-buyer, conventional; we add whichever down-payment help your Vallejo budget is eligible for.
Lenders shopped for you
Many lenders bid on each Vallejo file we bring them — Vallejo buyers never shop one shelf.
Owner-handled
Esther Buede — the owner — works your Vallejo loan start to finish; our Google reviews show Vallejo buyers why that matters.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) personally runs each Vallejo file — Hiddenbrooke or any Vallejo address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Vallejo financing that fits the home and the borrower.
Demand around the historic Mare Island shipyard keeps FHA activity steady in Vallejo. For Vallejo we lean on FHA, first-time-buyer, conventional — but whatever fits your Vallejo file, we shop it: VA, non-QM, FHA, conventional, and jumbo. Jump in at any stage: buying, refinancing, or just running numbers — begin online or call (949) 522-7310.
First home in Vallejo? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to Vallejo buyers too.
And around Vallejo: Napa, Martinez, Fairfield are all in reach. Browse our California service areas →
Serving Vallejo as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from Vallejo buyers.
What counts as a conforming loan amount in Vallejo?
The 2026 number covering Vallejo is $832,750 on a single-family home; above it, jumbo guidelines apply to Vallejo purchases. Per FHFA; confirm with us.
What loans help first-time buyers in Vallejo?
Most first-time Vallejo buyers start with FHA, first-time-buyer, conventional — and we check which assistance fits your Vallejo purchase before you commit.
Do you cover all of Vallejo?
We work Vallejo citywide — Glen Cove, Hiddenbrooke, Mare Island, Downtown Vallejo included. Where in Vallejo you buy doesn't change how hard we shop.
Do you actually know the Vallejo market?
Yes — Vallejo loans are everyday work for this family-owned California broker (NMLS #2629064); every Vallejo file gets Esther Buede directly.
Do you cover the towns around Vallejo?
Napa, Martinez, Fairfield — all covered alongside Vallejo, each with its own limit details worked in.
Let's finance your Vallejo home.
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.