Cedar Hill, TX
Your Cedar Hill, TX mortgage, done right.
Your Cedar Hill budget picks the program — first-time-buyer, FHA, conventional — and we handle the Cedar Hill lender legwork, whether you're eyeing Lake Ridge or beyond.
Does Choice Home Mortgage work with Cedar Hill, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Cedar Hill 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 Cedar Hill 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 Cedar Hill home can carry a conforming loan of up to $832,750, the Dallas County limit FHFA sets, and we check where your Cedar Hill price falls before you write an offer. The whole process runs by phone and online.
Buying in Cedar Hill: the numbers that matter.
Cedar Hill occupies the limestone escarpment at the southwestern edge of the DFW metroplex, offering larger lots and natural terrain — notably Cedar Hill State Park’s 1,800+ acres — structurally unavailable in the urbanized core; high household incomes establish it as one of DFW’s higher-income southern suburbs.
Financing follows that Cedar Hill math. A one-unit Cedar Hill purchase conforms to $832,750 in 2026 — the national baseline Dallas County runs on. For the typical Cedar Hill purchase, $832,750 is headroom, not a hurdle — Cedar Hill files keep conventional, FHA, and down-payment-assistance open. Price-wise, Cedar Hill runs solidly middle-of-market. 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.
From Lake Ridge over to Hillside Village, Cedar Hill’s 46,000-plus residents sit within minutes of Desoto and Duncanville. Cedar Hill State Park on Joe Pool Lake to the Cedar Hill line — that’s ground we know well. Buyers come to us from Lake Ridge, Historic Downtown Cedar Hill, Midtown, and Hillside Village, and from every other part of Cedar Hill. Cedar Hill buyers reach us in one call; the loan runs online from there, with the Cedar Hill market knowledge built in. Texas coverage here spans 83 cities, Cedar Hill among them — each on its own county limits, each shopped the same way.
Cedar Hill deserves a real broker.
Local Cedar Hill insight
Cedar Hill pricing shifts pocket by pocket — Lake Ridge, Historic Downtown Cedar Hill, Midtown, near Cedar Hill State Park on Joe Pool Lake — and the loan should match the pocket you pick.
First-time & assistance
First-time-buyer, FHA, conventional carry most Cedar Hill purchases — and we check every assistance program a Cedar Hill file qualifies for.
We shop; you choose
Cedar Hill loans here go to whichever lender earns them — we shop the Cedar Hill file wide.
Owner-coordinated
Owner Esther Buede coordinates your Cedar Hill loan personally, the named expert Cedar Hill clients would find praised across our Google reviews.
Your loan, one named coordinator.
Your Cedar Hill file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Cedar Hill, Historic Downtown Cedar Hill included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Built around your Cedar Hill home, not a shelf product.
First-time-buyer work anchors our Cedar Hill lending, with Cedar Hill State Park on Joe Pool Lake part of the pull. Through licensed partner brokers, Cedar Hill buyers lean on first-time-buyer, FHA, conventional most — and whatever else the Cedar Hill numbers call for: FHA loans, VA, conventional, and non-QM. Step in wherever you are — buying, refinancing your mortgage, or comparing — apply here or call (949) 522-7310.
Cedar Hill files here lean on FHA, conventional, first-time-buyer, down-payment-assistance.
Self-employed in Cedar Hill? We also work with self-employed buyers — 1099 income included. Dallas County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types. Looking beyond Cedar Hill? Our Dallas County page covers the county-wide picture, including how its limits differ.
Close to Cedar Hill, we also help buyers in Desoto, Duncanville, Lancaster. More Texas cities we work in →
Cedar Hill, TX buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a Cedar Hill office.
What Cedar Hill buyers ask us first.
What counts as a conforming loan amount in Cedar Hill?
A conforming loan on a one-unit Cedar Hill home can go up to $832,750 in 2026, which is FHFA's limit for Dallas 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 Dallas County have a $1,066,250 conforming limit for 2026.
Do Cedar Hill first-time buyers have good loan options?
Yes. First-time buyers in Cedar Hill 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. For FHA, the 2026 one-unit limit in Dallas County is $563,500, per HUD.
Does it matter where in Cedar Hill I'm buying?
No, not for the financing: we finance homes anywhere in Cedar Hill, including Lake Ridge, Historic Downtown Cedar Hill, Midtown and Hillside Village. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. FHFA's 2026 one-unit limit for Dallas County is $832,750.
Can an out-of-state broker really cover Cedar Hill, TX?
Yes, because a licensed partner broker in Texas originates the Cedar Hill loan while Choice Home Mortgage, licensed in California, coordinates it. 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.
Can you help outside Cedar Hill too?
Yes. Our coverage goes past Cedar Hill to Desoto, Duncanville and Lancaster. 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 Cedar Hill file.
How does the process run for a Cedar Hill buyer working with you?
A Cedar Hill 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 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.
Beyond Cedar Hill: nearby cities we work
Your Cedar Hill home is a call away.
Tell us about the Cedar Hill home you want — we'll match the program and make lenders compete for your Cedar Hill loan.