West Sacramento, CA
Your West Sacramento mortgage, done right.
We fit the loan to your West Sacramento plans — FHA, move-up, conventional and more — walking West Sacramento buyers through it, Broderick to closing day.
Can a mortgage broker help me buy in West Sacramento, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker serving West Sacramento, licensed under NMLS #2629064 and CA DRE #01822046, and it places purchase and refinance loans with whichever of many lenders fits the West Sacramento file best. Esther Buede, the owner, is the person you talk to.
The 2026 conforming limit for a one-unit West Sacramento home is $832,750 (Yolo County, per FHFA). We start every West Sacramento file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a West Sacramento home really takes.
West Sacramento is separated from the state capital only by the Sacramento River and Tower Bridge, giving buyers walkable access to downtown Sacramento’s employment and dining at prices 15-25% below comparable Sacramento addresses; Yolo County’s baseline designation keeps conforming financing available as Southport medians climb.
That West Sacramento market shapes the loan. For West Sacramento, 2026 conforming tops out at Yolo County’s $832,750 baseline on one-unit West Sacramento homes. Since typical West Sacramento prices stay under $832,750, a West Sacramento buyer keeps conventional, FHA, and move-up all in play. As a market, West Sacramento runs solidly middle-of-market. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 49,000-plus people call West Sacramento home, spread from Broderick to River Ranch, with Sacramento and Davis minutes away. West Sacramento isn’t an abstraction to us — we know it down to the Ziggurat Building on the river. Whether the address is in Broderick, Bryte, Southport/Bridgeway Islands, and River Ranch or another West Sacramento pocket entirely, the financing follows. Typing “broker near me” somewhere in West Sacramento? Phone and online is how West Sacramento files run here — the local read on West Sacramento comes with it.
The broker difference, West Sacramento edition.
West Sacramento market knowledge
From Broderick, Bryte, Southport/Bridgeway Islands to the Ziggurat Building on the river, we track what West Sacramento homes really cost and which loans carry them.
First-time & assistance
FHA, move-up, conventional carry most West Sacramento purchases — and we check every assistance program a West Sacramento file qualifies for.
Lenders shopped for you
Many lenders bid on each West Sacramento file we bring them — West Sacramento buyers never shop one shelf.
Owner-handled
Owner Esther Buede guides your West Sacramento loan personally — the named expert West Sacramento clients would find praised across our Google reviews.
One owner, handling your whole loan.
Your West Sacramento loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole West Sacramento loan — from Bryte across the West Sacramento map. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your West Sacramento purchase, not a template.
Near the Ziggurat Building on the river, FHA files are a West Sacramento staple for us. West Sacramento files most often land on FHA, move-up, conventional — and past those, every West Sacramento option gets shopped: FHA financing, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing your mortgage, or just exploring — apply here or call (949) 522-7310.
West Sacramento files here lean on conventional, FHA, move-up.
If the down payment is the wall between you and a West Sacramento home, read what assistance actually exists right now — CalHFA reaches West Sacramento.
Self-employed in West Sacramento? We also work with borrowers who work for themselves — bank-statement income included. See Yolo County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Beyond West Sacramento itself, Sacramento, Davis, Rancho Cordova buyers work with us the same way. See all California cities we serve →
Serving West Sacramento as a licensed California mortgage broker — Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
Real questions from West Sacramento buyers.
What's the 2026 conforming loan limit in West Sacramento?
The 2026 conforming loan limit for a one-unit home in West Sacramento is $832,750, the figure FHFA set for Yolo County. Yolo 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.
Which programs fit West Sacramento first-time buyers?
Conventional and FHA loans fit most first-time buyers in West Sacramento, and the right one depends on your credit score and down payment. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Yolo County is $764,750, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which West Sacramento neighborhoods do you serve?
We finance homes in every West Sacramento neighborhood, including Broderick, Bryte, Southport/Bridgeway Islands and River Ranch. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Whether the home is in Broderick or River Ranch, owner Esther Buede handles the loan by phone and online.
Is Choice Home Mortgage local to West Sacramento?
Our office is about 392 miles away in Fountain Valley, so we serve West Sacramento remotely as a California broker. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Owner Esther Buede takes Broderick and River Ranch files by phone and online, application to closing.
Do you serve areas near West Sacramento?
Yes. Besides West Sacramento, we also arrange loans in Sacramento, Davis and Rancho Cordova. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a West Sacramento file.
Buying near West Sacramento? We cover that too
Let's finance your West Sacramento home.
Talk to the owner directly. We'll map the right loan for your West Sacramento home and put lenders in competition for West Sacramento business.