Amarillo, TX
From renting in Amarillo to owning in Amarillo.
Your Amarillo budget picks the program — first-time-buyer, conventional, FHA — and we handle the Amarillo lender legwork, whether you're eyeing San Jacinto Heights or beyond.
Can Choice Home Mortgage help me buy a home in Amarillo, TX?
Yes. Choice Home Mortgage helps Amarillo buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Amarillo file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For 2026, a one-unit Amarillo home can carry a conforming loan of up to $832,750, the Potter County limit FHFA sets, and we check where your Amarillo price falls before you write an offer. The whole process runs by phone and online.
What it costs to buy in Amarillo — and how to finance it.
Amarillo is the regional economic hub of the Texas Panhandle, anchored by the Pantex plant, BSA Health System, and agricultural processing — industries that generate stable, recession-resistant employment.
That’s the Amarillo backdrop the loan has to fit. The 2026 conforming number for Amarillo buyers in Potter County is $832,750 — the baseline every Amarillo file starts from. Since typical Amarillo prices stay under $832,750, an Amarillo buyer keeps conventional, FHA, and first-time-buyer all in play. Price-wise, Amarillo runs entry-level. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Amarillo counts 196,000-plus residents, San Jacinto Heights to Bivins, with Canyon close enough to house-hunt the same weekend. Our Amarillo knowledge is street-level — the area around Cadillac Ranch on Route 66 included. We finance homes across San Jacinto Heights, Wolflin, Eastridge, and Bivins — and every other corner of Amarillo. Searching “mortgage broker near me” from Amarillo? We cover Amarillo by phone and online — Amarillo-level market help, no office visit. Amarillo is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Amarillo numbers first, then lenders competing on them.
Amarillo deserves a real broker.
Local Amarillo insight
Near Cadillac Ranch on Route 66, across San Jacinto Heights, Wolflin, Eastridge — we know Amarillo's neighborhoods, prices, and the programs that fit them.
Down-payment friendly
First-time-buyer, conventional, FHA carry most Amarillo purchases — and we check every assistance program an Amarillo file qualifies for.
Many lenders, one file
Your Amarillo file gets shopped across many lenders — a broker working Amarillo, not one bank's sales desk.
Direct to the owner
Your Amarillo file is coordinated by owner Esther Buede herself, and in Amarillo or Canyon hers is the name buyers recognize from our reviews.
The owner coordinates your file. Personally.
Every Amarillo file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Amarillo plans, Wolflin or anywhere in Amarillo, and your name from the first call. 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.”
Amarillo financing that fits the home and the borrower.
Amarillo’s pull — think Cadillac Ranch on Route 66 — keeps first-time-buyer work coming. Through licensed partner brokers, Amarillo buyers lean on first-time-buyer, conventional, FHA most — and whatever else the Amarillo numbers call for: VA, FHA, non-QM, and conventional. Any starting point works: buying, refinancing, or simply exploring — apply online or call (949) 522-7310.
Expect FHA, first-time-buyer, conventional to carry most Amarillo files.
Amarillo self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s; Amarillo investors have no-income investor financing too. See Potter County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
And around Amarillo: Canyon are all in reach. Browse our Texas service areas →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Amarillo, TX buyers through licensed partner brokers. Equal Housing Opportunity. No Amarillo office — we work with Amarillo buyers remotely.
Amarillo mortgage questions, answered.
What loan size keeps an Amarillo mortgage conforming?
In Amarillo, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Potter County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Potter County conforming limit is $1,066,250.
Do Amarillo first-time buyers have good loan options?
Yes. First-time buyers in Amarillo can choose from FHA and conventional loans, and down-payment assistance where they qualify. 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 Potter County is $541,287.
Can you finance a home anywhere in Amarillo?
Yes, anywhere in Amarillo, from San Jacinto Heights to Bivins. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across San Jacinto Heights and Bivins, and we coordinate them by phone and online.
I'm buying in Amarillo, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Amarillo loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Amarillo office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Amarillo?
Yes, the towns around Amarillo are covered, including Canyon. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an Amarillo file.
How do we work together on an Amarillo purchase?
We start with a call to map your Amarillo purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Texas licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Next stop: your Amarillo address.
Tell us where in Amarillo you're headed — the program match and the Amarillo lender legwork are on us.