Collierville, TN
The right loan for the Collierville home you're after.
From Historic Town Square across Collierville, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Collierville file.
Who can help me get a mortgage in Collierville, TN?
Choice Home Mortgage can. We arrange Collierville home loans through licensed partner brokers in Tennessee and coordinate each Collierville file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For 2026, a one-unit Collierville home can carry a conforming loan of up to $832,750, the Shelby County limit FHFA sets, and we check where your Collierville price falls before you write an offer. The whole process runs by phone and online.
Buying in Collierville: the numbers that matter.
Collierville is anchored by proximity to FedEx’s global headquarters in Memphis and its own base of distribution, logistics, and corporate back-office operations — a sector resistant to remote-work displacement that favors suburban residential concentration near the airport corridor; its restrictive zoning and rural-character overlay have compressed density below surrounding unincorporated Shelby County, structurally supporting price premiums.
So the Collierville strategy starts with the market, not the rate sheet. In Shelby County, a Collierville one-unit purchase conforms up to 2026’s $832,750 baseline for Collierville files. That $832,750 ceiling covers most Collierville price points — conventional, FHA, move-up all stay on the Collierville table. Collierville’s price tier is above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
47,000-plus residents make Collierville home — across Historic Town Square, Schilling Farms, and between — with Germantown and Memphis nearby. Our Collierville knowledge is street-level — the area around the Historic Town Square included. Collierville buyers reach us from Historic Town Square, Carriage Crossing, Morton Museum area, and Schilling Farms — and from every block in between. Collierville buyers reach us in one call; the loan runs online from there, with the Collierville market knowledge built in. We work 17 cities across Tennessee; Collierville gets the same discipline as all of them — verify the Collierville numbers, then shop the loan.
How Collierville buyers come out ahead.
Collierville market knowledge
Historic Town Square, Carriage Crossing, Morton Museum area — every Collierville pocket prices its own way, and the blocks near the Historic Town Square prove it. We match the program to the pocket.
Move-up & jumbo ready
Collierville price tags run past the national norm, and the Collierville financing — conventional, move-up, jumbo for upper tier — is sized to match.
We shop; you choose
A Collierville mortgage should be bid on. We take your Collierville file to many lenders and let the best terms win.
The owner, coordinating
Esther Buede, the owner, coordinates your Collierville loan start to finish; our Google reviews show Collierville buyers why that matters.
The owner coordinates your file. Personally.
In Collierville, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Carriage Crossing or anywhere on the Collierville map, first call through keys. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Financing built around the Collierville home you want.
Around the Historic Town Square, conventional remains the workhorse of Collierville lending. The Collierville playbook usually starts with conventional, move-up, jumbo for upper tier, arranged through licensed partner brokers — then we shop whatever your Collierville file calls for: conventional, non-QM, VA, and FHA loans. Step in wherever you are — buying, refinancing, or comparing — apply online or call (949) 522-7310.
Collierville buyers most often work with conventional, move-up, jumbo for upper tier.
Collierville borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s. Shelby County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Collierville is the center, not the edge — Germantown, Memphis, Bartlett are covered too. All our Tennessee coverage, city by city →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Collierville, TN buyers through licensed partner brokers. Equal Housing Opportunity. Collierville is served remotely — we keep no office there.
Straight answers for Collierville buyers.
How much can Collierville buyers borrow and stay conforming?
The 2026 conforming loan limit for a one-unit home in Collierville is $832,750, the figure FHFA set for Shelby County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Shelby County conforming limit is $1,066,250.
How do Collierville buyers finance above the conforming limit?
Above $832,750, Collierville buyers either take a jumbo loan or raise the down payment until the loan fits under the Shelby County limit. Putting more down keeps the loan at or under $832,750, which keeps it conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Do you cover all of Collierville?
Yes, we cover all of Collierville, including Historic Town Square, Carriage Crossing, Morton Museum area and Schilling Farms. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Historic Town Square and Schilling Farms, and we coordinate them by phone and online.
Can an out-of-state broker really cover Collierville, TN?
Yes, because a licensed partner broker in Tennessee originates the Collierville 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.
What about the towns just past the Collierville line?
We cover those too: Germantown, Memphis and Bartlett are in our service area along with Collierville. 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 Collierville file.
How does the process run for a Collierville buyer working with you?
A Collierville 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 Tennessee 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.
Ready for your Collierville address?
Bring the Collierville address or just the idea — we'll match the program and shop lenders for your Collierville loan.