Dallas, TX
Your Dallas, TX mortgage, done right.
Your Dallas purchase, financed on your terms — conventional, FHA, jumbo for Park Cities — with the Dallas legwork handled from Uptown on out.
Who can help me get a mortgage in Dallas, TX?
Choice Home Mortgage can. We arrange Dallas home loans through licensed partner brokers in Texas and coordinate each Dallas 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 Dallas home is $832,750 (Dallas County, per FHFA). We start every Dallas file by placing the price against that number, then handle the application, documents and updates by phone and online.
Dallas home loans, the honest version.
Dallas offers strong value versus coastal metros and attracts major corporate relocations in finance, tech, and logistics that sustain mid-to-upper-tier demand.
Every Dallas loan starts from that reality. Dallas follows Dallas County’s national-baseline limit for 2026: $832,750 on a one-unit Dallas home. That $832,750 ceiling covers most Dallas price points — conventional, FHA, first-time-buyer all stay on the Dallas table. Price-wise, Dallas runs solidly middle-of-market. 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.
Roughly 1.3 million people call Dallas home, spread from Uptown to Bishop Arts District, with Richardson and Plano minutes away. Dallas detail matters to us — Reunion Tower and the Dallas skyline and the streets that feed it included. Whether the address is in Uptown, Deep Ellum, Oak Cliff, and Bishop Arts District or another Dallas pocket entirely, the financing follows. If you’re in Dallas hunting for a nearby broker: we work Dallas loans by phone and online, Dallas knowledge included. Of the 83 Texas cities we serve, Dallas plays by its own numbers — that’s the point: the Dallas file, not a state template.
How we work Dallas loans.
Dallas know-how
Every Dallas neighborhood has its own math — Uptown, Deep Ellum, Oak Cliff included — and we read it street by street, Reunion Tower and the Dallas skyline and all.
First Dallas home help
The Dallas starting lineup is usually conventional, FHA, jumbo for Park Cities; we add whichever down-payment help your Dallas budget is eligible for.
We shop; you choose
Dallas loans here go to whichever lender earns them — we shop the Dallas file wide.
Owner-coordinated
In Dallas you get the owner, Esther Buede, coordinating your file personally, with no queue for Dallas files.
The owner coordinates your file. Personally.
In Dallas, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Deep Ellum to every part of Dallas. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Built around your Dallas home, not a shelf product.
Dallas keeps us busy with conventional files — the draw of Reunion Tower and the Dallas skyline doesn’t hurt. For Dallas we lean on conventional, FHA, jumbo for Park Cities through our licensed partner-broker network — but whatever fits your Dallas file, we shop it: conventional, non-QM, FHA financing, and VA. Jump in at any stage: buying, refinancing, or just running numbers — start your application here or call (949) 522-7310.
For Dallas, that usually means conventional, FHA, jumbo for Park Cities.
Self-employed in Dallas? We also work with 1099 and business-owner borrowers — 1099 income included, plus bridge financing for Dallas investors. Want every unit count, not just single-family? Dallas County’s 2026 loan limits page has the full table. Dallas is one of the Dallas County communities we serve — see the county overview.
The same coverage rings Dallas: Richardson, Plano, Carrollton included. All our Texas coverage, city by city →
Working with Dallas, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Dallas remotely; there is no local Dallas office.
Dallas questions we hear most.
What's the 2026 conforming loan limit in Dallas?
The 2026 conforming loan limit for a one-unit home in Dallas is $832,750, the figure FHFA set for Dallas 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 Dallas County conforming limit is $1,066,250.
What loans help first-time buyers in Dallas?
First-time buyers in Dallas 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 Dallas County is $563,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Dallas?
Yes, we cover all of Dallas, including Uptown, Deep Ellum, Oak Cliff and Bishop Arts District. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Uptown to Bishop Arts District, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with Dallas, TX buyers?
Yes. We work with Dallas buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Dallas 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 about the towns just past the Dallas line?
We cover those too: Richardson, Plano and Carrollton are in our service area along with Dallas. 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 Dallas file.
What does the mortgage process look like from Dallas?
From Dallas, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan 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 Dallas: nearby cities we work
Start your Dallas loan today.
Tell us where in Dallas you're headed — the program match and the Dallas lender legwork are on us.