Bartlett, TN
Your Bartlett, TN mortgage, done right.
Your Bartlett budget picks the program — conventional, move-up, first-time-buyer — and we handle the Bartlett lender legwork, whether you're eyeing Davies Plantation or beyond.
Can Choice Home Mortgage help me buy a home in Bartlett, TN?
Yes. Choice Home Mortgage helps Bartlett buyers and homeowners through licensed partner brokers who handle the Tennessee licensing, while we coordinate the Bartlett 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 Bartlett, FHFA's 2026 one-unit limit is $832,750 (Shelby County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
How Bartlett buyers reach closing in Bartlett.
Bartlett is a self-contained Memphis suburb in eastern Shelby County with its own municipal services and school system; it ranks among the safest cities in Tennessee and draws buyers seeking family-oriented suburban living with access to the Memphis metro job market via US-64.
Those Bartlett realities set the strategy. In Shelby County, a Bartlett one-unit purchase conforms up to 2026’s $832,750 baseline for Bartlett files. Bartlett price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Bartlett buyers. Bartlett itself prices solidly middle-of-market. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
58,000-plus residents make Bartlett home — across Davies Plantation, Ivanhoe Cove, and between — with Germantown and Memphis nearby. Bartlett detail matters to us — Davies Manor (the oldest house in Shelby County) and the streets that feed it included. Bartlett buyers reach us from Davies Plantation, Appling Farms, Country Club Estates, and Ivanhoe Cove — and from every block in between. No drive needed in Bartlett: licensed partner brokers originate Bartlett loans, we coordinate them by phone and online, and our read on the Bartlett market comes with it. We work 17 cities across Tennessee; Bartlett gets the same discipline as all of them — verify the Bartlett numbers, then shop the loan.
What working with us looks like.
Bartlett market knowledge
We work Bartlett street by street — Davies Plantation, Appling Farms, Country Club Estates and beyond — matching each neighborhood's prices to programs that fit.
First Bartlett home help
We open most Bartlett files with conventional, move-up, first-time-buyer, then layer in whatever down-payment help your Bartlett numbers qualify for.
We shop; you choose
Many lenders bid on each Bartlett file we bring them — Bartlett buyers never shop one shelf.
The owner, coordinating
The owner, Esther Buede, is who Bartlett buyers talk to, and she coordinates the Bartlett file with our licensed partner brokers.
Bartlett files get the owner as coordinator.
Your Bartlett loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Appling Farms across the Bartlett map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Bartlett financing that fits the home and the borrower.
Bartlett’s pull — think Davies Manor (the oldest house in Shelby County) — keeps conventional work coming. Conventional, move-up, first-time-buyer carry most of our Bartlett work (via our licensed partner-broker network) — and beyond those, Bartlett buyers get the full menu: FHA loans, non-QM, VA, and conventional. Step in wherever you are — buying, refinancing your mortgage, or comparing — apply here or call (949) 522-7310.
Expect conventional, move-up, first-time-buyer to carry most Bartlett files.
Self-employed in Bartlett? We also work with 1099 and business-owner borrowers — bank-statement income included. Shelby County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
The same coverage rings Bartlett: Germantown, Memphis, Collierville included. All our Tennessee coverage, city by city →
For Bartlett, TN: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with Bartlett buyers remotely and maintain no Bartlett office.
What Bartlett buyers ask us first.
How high can a conforming loan go in Bartlett?
The 2026 conforming loan limit for a one-unit home in Bartlett is $832,750, the figure FHFA set for Shelby County. Shelby 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. Two-unit homes in Shelby County have a $1,066,250 conforming limit for 2026.
How do first-time buyers usually finance a Bartlett home?
First-time buyers in Bartlett usually finance with conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Shelby County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Bartlett?
Yes, we cover all of Bartlett, including Davies Plantation, Appling Farms, Country Club Estates and Ivanhoe Cove. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Davies Plantation and Ivanhoe Cove, and we coordinate them by phone and online.
Do you work with Bartlett, TN buyers?
Yes. We work with Bartlett buyers through licensed partner brokers who hold the Tennessee license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Bartlett office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Bartlett too?
Yes. Our coverage goes past Bartlett to Germantown, Memphis and Collierville. 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 a Bartlett file.
What does the mortgage process look like from Bartlett?
From Bartlett, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Tennessee 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.
Let's finance your Bartlett home.
Talk to the owner directly. We'll map the right loan for your Bartlett home and put lenders in competition for Bartlett business.