Austin, TX
The right loan for the Austin home you're after.
From East Austin across Austin, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Austin file.
Can Choice Home Mortgage help me buy a home in Austin, TX?
Yes. Choice Home Mortgage helps Austin buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Austin 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 Austin, FHFA's 2026 one-unit limit is $832,750 (Travis 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 Austin mortgage market.
Austin corrected from its 2021-22 peak and now gives buyers more room while staying well above the Texas norm; tech employment from Dell, Apple, and Tesla underpins long-term demand in central neighborhoods.
The loan has to fit the Austin picture. A one-unit Austin purchase conforms to $832,750 in 2026 — the national baseline Travis County runs on. With Austin homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Austin files. As a market, Austin runs above the national norm. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From East Austin over to South Congress, Austin’s 885,000-plus residents sit within minutes of Cedar Park and San Marcos. Austin detail matters to us — the Texas State Capitol and Lady Bird Lake and the streets that feed it included. East Austin, Hyde Park, Mueller, and South Congress — we finance homes in each of them, and everywhere else Austin reaches. “Mortgage broker near me” in Austin usually means the closest office — we skip the office and bring Austin-level help by phone and online instead. Austin is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Austin numbers first, then lenders competing on them.
How Austin buyers come out ahead.
Local Austin insight
East Austin, Hyde Park, Mueller, the streets around the Texas State Capitol and Lady Bird Lake — we read Austin's price points like locals, because that's how we work it.
Move-up & jumbo ready
Financing an Austin home means respecting Austin prices above the national norm — so we lead with jumbo for central, FHA in suburbs, conventional.
Many lenders, one file
One Austin application, many lenders competing on it — that's what an Austin buyer hires a broker for.
Direct to the owner
Your Austin file is coordinated by owner Esther Buede herself, and in Austin or Cedar Park hers is the name buyers recognize from our reviews.
Austin files get the owner as coordinator.
Your Austin loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Hyde Park across the Austin map. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Austin financing that fits the home and the borrower.
Austin’s pull — think the Texas State Capitol and Lady Bird Lake — keeps jumbo for central work coming. The Austin playbook usually starts with jumbo for central, FHA in suburbs, conventional, arranged through licensed partner brokers — then we shop whatever your Austin file calls for: non-QM, conventional, VA, and an FHA loan. Start where it suits you: buying, exploring a refinance, or testing the numbers — apply online or call (949) 522-7310.
For Austin, that usually means conventional, jumbo for central, FHA in suburbs.
Not every Austin file fits a W-2 box — self-employed borrowers can qualify on bank-statement income, and Austin investors can lean on DSCR investor loans. See Travis County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Close to Austin, we also help buyers in Cedar Park, San Marcos, Pflugerville. More Texas cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Austin, TX buyers through licensed partner brokers. Equal Housing Opportunity. Austin is served remotely — we keep no office there.
Asked by Austin buyers, answered here.
How much can Austin buyers borrow and stay conforming?
$832,750 is the 2026 conforming limit for a single-family home in Austin, based on FHFA's figure for Travis County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Travis County have a $1,066,250 conforming limit for 2026.
How do Austin buyers finance above the conforming limit?
Austin buyers who need more than $832,750 (the 2026 Travis County limit) use a jumbo loan, or put more down so the loan stays under it. Putting more down keeps the loan at or under $832,750, which keeps it conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Which Austin neighborhoods do you serve?
All of them, from East Austin to South Congress; the rest of Austin is covered too. 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 East Austin and South Congress, and we coordinate them by phone and online.
Do you work with Austin, TX buyers?
Yes. We work with Austin buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Austin?
Yes, the towns around Austin are covered, including Cedar Park, San Marcos and Pflugerville. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an Austin file.
How do we work together on an Austin purchase?
We start with a call to map your Austin purchase, then coordinate the application, documents and updates online. A licensed partner broker in Texas originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Austin.
No call center — just Esther. We'll find what fits your Austin purchase and do the Austin lender legwork.