Carrollton, TX
Your Carrollton, TX mortgage, done right.
We fit the loan to your Carrollton plans — FHA, conventional and more — walking Carrollton buyers through it, Old Downtown Carrollton to closing day.
Does Choice Home Mortgage work with Carrollton, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Carrollton buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Carrollton loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Carrollton home can carry a conforming loan of up to $832,750, the Dallas County limit FHFA sets, and we check where your Carrollton price falls before you write an offer. The whole process runs by phone and online.
Carrollton home loans, the honest version.
Carrollton sits at the intersection of three major Dallas-area highways with DART light rail, a multi-directional commuter hub in the DFW metroplex; buyers get established neighborhoods and metro-wide access without inner-loop pricing.
Every Carrollton loan starts from that reality. In Dallas County, a Carrollton one-unit purchase conforms up to 2026’s $832,750 baseline for Carrollton files. Under that $832,750 line — where most Carrollton purchases sit — conventional, FHA, and first-time-buyer all stay in play. Price-wise, Carrollton 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 126,000-plus people call Carrollton home, spread from Old Downtown Carrollton to Keller Springs, with Dallas and Coppell minutes away. We work Carrollton from the ground up — close to the Historic Downtown Carrollton Square. Buyers come to us from Old Downtown Carrollton, Josey Ranch, Trinity Mills, and Keller Springs, and from every other part of Carrollton. From anywhere in Carrollton, the whole process runs by phone and online — local Carrollton market reads included, commute not required. Of the 83 Texas cities we serve, Carrollton plays by its own numbers — that’s the point: the Carrollton file, not a state template.
What working with us looks like.
Carrollton, block by block
From the Historic Downtown Carrollton Square across Old Downtown Carrollton, Josey Ranch, Trinity Mills, we keep tabs on what Carrollton homes actually go for and which programs carry them.
Down-payment friendly
FHA, conventional carry most Carrollton purchases — and we check every assistance program a Carrollton file qualifies for.
We shop; you choose
A Carrollton mortgage should be bid on. We take your Carrollton file to many lenders and let the best terms win.
Direct to the owner
The owner, Esther Buede, is who Carrollton buyers talk to, and she coordinates the Carrollton file with our licensed partner brokers.
One coordinator on the Carrollton file, start to keys.
Your Carrollton loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Josey Ranch across the Carrollton map. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Financing built around the Carrollton home you want.
Around the Historic Downtown Carrollton Square, FHA remains the workhorse of Carrollton lending. Most Carrollton files start at FHA, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, VA, non-QM, and an FHA loan. Jump in at any stage: buying, refinancing, or just running numbers — begin online or call (949) 522-7310.
The programs that come up most for Carrollton buyers: conventional, FHA.
Not every Carrollton file fits a W-2 box — self-employed buyers can qualify on 1099 income. The full Dallas County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. Carrollton is one of the Dallas County communities we serve — see the county overview.
And around Carrollton: Dallas, Coppell, Richardson are all in reach. Every Texas city we cover →
For Carrollton, TX: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. Carrollton is served remotely — we keep no office there.
Carrollton questions we hear most.
What's the conforming cap on a Carrollton home loan?
In Carrollton, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Dallas County. Dallas 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.
What loans help first-time buyers in Carrollton?
First-time buyers in Carrollton most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Dallas County is $563,500, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of Carrollton do you work in?
Every part of Carrollton, including Old Downtown Carrollton, Josey Ranch, Trinity Mills and Keller Springs. 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 Old Downtown Carrollton and Keller Springs, and we coordinate them by phone and online.
I'm buying in Carrollton, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Carrollton loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Carrollton 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 serve areas near Carrollton?
Yes. Besides Carrollton, we also arrange loans in Dallas, Coppell and Richardson through licensed partner brokers. 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 Carrollton file.
How does the process run for a Carrollton buyer working with you?
A Carrollton buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. 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.
Carrollton neighbors we also serve
Your Carrollton keys are the goal.
Talk to the owner directly. We'll map the right loan for your Carrollton home and put lenders in competition for Carrollton business.