Vallejo, CA
Your Vallejo mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Vallejo — clear guidance from pre-approval through closing.
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.
That market shapes the loan. In Solano County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Vallejo purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Vallejo from the ground up — close to the historic Mare Island shipyard. We finance homes across Glen Cove, Hiddenbrooke, Mare Island, and Downtown Vallejo — and every other corner of Vallejo. Looking for a mortgage broker near you in Vallejo? 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.
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
Vallejo buyers often start with FHA, first-time-buyer, conventional — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Vallejo file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Vallejo loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Vallejo, 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.”
Matched to your Vallejo purchase, not a template.
For Vallejo we lean on FHA, first-time-buyer, 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 Vallejo, we also help buyers in Napa, Martinez, Fairfield. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Vallejo mortgage questions, answered.
What's the 2026 conforming loan limit in Vallejo?
In Solano County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Vallejo?
Most Vallejo buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Vallejo neighborhoods do you serve?
We serve buyers across Vallejo, including Glen Cove, Hiddenbrooke, Mare Island. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in Vallejo?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving Vallejo and the surrounding area.
Do you serve areas near Vallejo?
Yes — we also work with buyers in nearby Napa, Martinez, Fairfield. Same process, local loan-limit details for each.
Let's finance your Vallejo home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Vallejo purchase and shop the lenders for you.