College Station, TX
College Station, TX home loans, coordinated by the owner.
Real College Station prices, real programs — FHA, investment-property, conventional — matched to what your College Station file qualifies for, in South Knoll and citywide.
Who can help me get a mortgage in College Station, TX?
Choice Home Mortgage can. We arrange College Station home loans through licensed partner brokers in Texas and coordinate each College Station file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit College Station home is $832,750 (Brazos County, per FHFA). We start every College Station file by placing the price against that number, then handle the application, documents and updates by phone and online.
College Station home loans, the honest version.
College Station’s demand is structurally tied to Texas A&M — one of the largest single-campus enrollments in the country — driving persistent rental and owner demand from faculty, staff, graduate students, and the university’s research and medical workforce.
The loan has to fit the College Station picture. College Station’s 2026 conforming ceiling is $832,750, the baseline figure Brazos County shares with most of the country. For the typical College Station purchase, $832,750 is headroom, not a hurdle — College Station files keep conventional, FHA, and first-time-buyer open. College Station’s price tier is 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 South Knoll over to Wolf Pen Creek corridor, College Station’s 100,000-plus residents sit within minutes of Bryan and Brenham. Kyle Field at Texas A&M to the College Station line — that’s ground we know well. College Station buyers reach us from South Knoll, Pebble Creek, Castlegate, and Wolf Pen Creek corridor — and from every block in between. Need a broker near you in College Station? Everything runs by phone and online, so College Station expertise comes straight to you. Of the 83 Texas cities we serve, College Station plays by its own numbers — that’s the point: the College Station file, not a state template.
What working with us looks like.
College Station, block by block
From South Knoll, Pebble Creek, Castlegate to Kyle Field at Texas A&M, we track what College Station homes really cost and which loans carry them.
Down-payment friendly
We open most College Station files with FHA, investment-property, conventional, then layer in whatever down-payment help your College Station numbers qualify for.
We shop; you choose
Instead of one bank's rates, your College Station application sees many lenders competing — that's the whole point of working with us.
Direct to the owner
Esther Buede, the owner, coordinates your College Station loan start to finish; our Google reviews show College Station buyers why that matters.
One coordinator on the College Station file, start to keys.
In College Station, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Pebble Creek or anywhere on the College Station map, first call through keys. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Financing built around the College Station home you want.
College Station keeps us busy with FHA files — the draw of Kyle Field at Texas A&M doesn’t hurt. Most College Station files start at FHA, investment-property, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: an FHA loan, VA, non-QM, and conventional. Ready or just curious — buying, refinancing, or running scenarios — apply online or call (949) 522-7310.
Expect conventional, FHA, investment-property, first-time-buyer to carry most College Station files.
Not every College Station file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income. Brazos County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Buyers in Bryan, Brenham, Navasota get the same treatment as College Station files. Every Texas city we cover →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves College Station, TX buyers through licensed partner brokers. Equal Housing Opportunity. College Station is served remotely — we keep no office there.
College Station home-loan questions, straight answers.
Is there a loan limit for College Station purchases in 2026?
Yes. The 2026 conforming loan limit for a one-unit home in College Station is $832,750, the figure FHFA set for Brazos County. Brazos 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 College Station?
First-time buyers in College Station most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Brazos County is $541,287. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of College Station?
Yes, we cover all of College Station, including South Knoll, Pebble Creek, Castlegate and Wolf Pen Creek corridor. 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 South Knoll and Wolf Pen Creek corridor, and we coordinate them by phone and online.
Are you set up to arrange loans in College Station, TX?
Yes. College Station loans are arranged through licensed partner brokers in Texas, with Choice Home Mortgage coordinating the 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.
What if I'm buying just outside College Station?
Buying just outside College Station changes nothing on our side; we also arrange loans in Bryan, Brenham and Navasota through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a College Station file.
How does the process run for a College Station buyer working with you?
A College Station 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.
Let's get you home in College Station.
Tell us about the College Station home you want — we'll match the program and make lenders compete for your College Station loan.