Beavercreek, OH
Your Beavercreek, OH mortgage, done right.
Conventional, FHA, first-time-buyer programs sized to Beavercreek budgets — matched to your Beavercreek file, from Alpha to every corner of Beavercreek.
Does Choice Home Mortgage work with Beavercreek, OH buyers?
Yes. Choice Home Mortgage arranges home loans for Beavercreek buyers through licensed partner brokers who cover Ohio. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Beavercreek loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Beavercreek home is $832,750 (Greene County, per FHFA). We start every Beavercreek file by placing the price against that number, then handle the application, documents and updates by phone and online.
How Beavercreek buyers reach closing in Beavercreek.
Beavercreek is Dayton’s second-largest suburb, about five miles east of downtown, giving residents access to Wright-Patterson Air Force Base employment and the area’s defense/aerospace economy without urban premiums; its school district and 24-park system are structural draws that hold value independently of market cycles.
That Beavercreek market shapes the loan. For Beavercreek, 2026 conforming tops out at Greene County’s $832,750 baseline on one-unit Beavercreek homes. Most Beavercreek purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and VA open for Beavercreek buyers. As a market, Beavercreek runs solidly middle-of-market. 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.
Roughly 45,000-plus people call Beavercreek home, spread from Alpha to Zimmerman, with Dayton and Kettering minutes away. Beavercreek detail matters to us — the Greene Town Center and Wright-Patterson AFB proximity and the streets that feed it included. Beavercreek buyers reach us from Alpha, Knollwood, New Germany, and Zimmerman — and from every block in between. From anywhere in Beavercreek, the whole process runs by phone and online — local Beavercreek market reads included, commute not required. Beavercreek is one of 33 Ohio markets we cover, and every Ohio file gets the same treatment: real Beavercreek numbers first, then lenders competing on them.
One file, many lenders, Beavercreek terms.
Beavercreek, block by block
Alpha, Knollwood, New Germany, over to the Greene Town Center and Wright-Patterson AFB proximity — Beavercreek's pockets price differently, and the right program follows the pocket.
First Beavercreek home help
The Beavercreek starting lineup is usually conventional, FHA, first-time-buyer; we add whichever down-payment help your Beavercreek budget is eligible for.
Lenders shopped for you
One Beavercreek application, many lenders competing on it — that's what a Beavercreek buyer hires a broker for.
Direct to the owner
Owner Esther Buede coordinates every Beavercreek file herself, one point of contact from your first Beavercreek call to your closing.
Beavercreek files get the owner as coordinator.
Your Beavercreek file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Beavercreek, Knollwood included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Your Beavercreek file decides the loan.
Demand around the Greene Town Center and Wright-Patterson AFB proximity keeps conventional activity steady in Beavercreek. For Beavercreek we lean on conventional, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits your Beavercreek file, we shop it: VA, an FHA loan, non-QM, and conventional. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply online or call (949) 522-7310.
Beavercreek buyers most often work with conventional, FHA, first-time-buyer, VA.
Not every Beavercreek file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income. Greene County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Buyers in Dayton, Kettering, Huber Heights get the same treatment as Beavercreek files. Every Ohio city we cover →
For Beavercreek, OH: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. Beavercreek is served remotely — we keep no office there.
Beavercreek mortgage questions, answered.
What loan size keeps a Beavercreek mortgage conforming?
The 2026 conforming loan limit for a one-unit home in Beavercreek is $832,750, the figure FHFA set for Greene County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Greene County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Beavercreek home?
First-time buyers in Beavercreek usually finance with conventional, FHA and VA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Greene County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Can you finance a home anywhere in Beavercreek?
Yes, anywhere in Beavercreek, from Alpha to Zimmerman. 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 Alpha and Zimmerman, and we coordinate them by phone and online.
Do you work with Beavercreek, OH buyers?
Yes. We work with Beavercreek buyers through licensed partner brokers who hold the Ohio license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Beavercreek office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside Beavercreek?
Buying just outside Beavercreek changes nothing on our side; we also arrange loans in Dayton, Kettering and Huber Heights through licensed partner brokers. 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 a Beavercreek file.
How does the process run for a Beavercreek buyer working with you?
A Beavercreek buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Ohio 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.
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