Denton, TX
Denton first homes, financed the smart way.
Your Denton purchase, financed on your terms — first-time-buyer, conventional, FHA — with the Denton legwork handled from Oak-Hickory Historic District on out.
Who can help me get a mortgage in Denton, TX?
Choice Home Mortgage can. We arrange Denton home loans through licensed partner brokers in Texas and coordinate each Denton 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 Denton home is $832,750 (Denton County, per FHFA). We start every Denton file by placing the price against that number, then handle the application, documents and updates by phone and online.
What it costs to buy in Denton — and how to finance it.
Denton is the only DFW city hosting two major universities — the University of North Texas and Texas Woman’s University — generating a permanent base of students, faculty, and service employment; buyers get full DFW access via I-35E below adjacent Collin County prices.
That Denton market shapes the loan. Denton’s 2026 conforming ceiling is $832,750, the baseline figure Denton County shares with most of the country. That $832,750 ceiling covers most Denton price points — conventional, FHA, first-time-buyer all stay on the Denton table. Price-wise, Denton runs entry-level. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Denton counts 123,000-plus residents, Oak-Hickory Historic District to University Area, with Flower Mound and Lewisville close enough to house-hunt the same weekend. From the Little Chapel in the Woods at TWU outward, we treat Denton as home turf. Name the Denton neighborhood — Oak-Hickory Historic District, West Denton Historic District, Quakertown, and University Area or beyond — and we finance there. No drive needed in Denton: licensed partner brokers originate Denton loans, we coordinate them by phone and online, and our read on the Denton market comes with it. Denton is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Denton numbers first, then lenders competing on them.
How we work Denton loans.
Denton market knowledge
Every Denton neighborhood has its own math — Oak-Hickory Historic District, West Denton Historic District, Quakertown included — and we read it street by street, the Little Chapel in the Woods at TWU and all.
First Denton home help
Denton budgets get the full toolkit — first-time-buyer, conventional, FHA — plus every assistance program a Denton file can claim.
We shop; you choose
Denton loans here go to whichever lender earns them — we shop the Denton file wide.
Direct to the owner
Your Denton file is coordinated by owner Esther Buede herself, and in Denton or Flower Mound hers is the name buyers recognize from our reviews.
Denton files get the owner as coordinator.
Your Denton file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Denton, West Denton Historic District included, gets her full attention. Choice Home Mortgage has worked that way since 2005. 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.”
Built around your Denton home, not a shelf product.
First-time-buyer work anchors our Denton lending, with the Little Chapel in the Woods at TWU part of the pull. The Denton playbook usually starts with first-time-buyer, conventional, FHA, arranged through licensed partner brokers — then we shop whatever your Denton file calls for: FHA loans, conventional, VA, and non-QM. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
Denton files here lean on FHA, first-time-buyer, conventional.
Not every Denton file fits a W-2 box — self-employed buyers can qualify on 1099 income. Denton County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Beyond Denton itself, Flower Mound, Lewisville, The Colony buyers work with us the same way. All our Texas coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Denton, TX buyers through licensed partner brokers. Equal Housing Opportunity. Denton is served remotely — we keep no office there.
Denton home-loan questions, straight answers.
Where does the Denton conforming loan limit sit for 2026?
$832,750 is the 2026 conforming limit for a single-family home in Denton, based on FHFA's figure for Denton County. Denton 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. A two-unit property in Denton County can borrow up to $1,066,250 and stay conforming.
What's the usual first mortgage for a Denton buyer?
For a first home in Denton, the usual choices are FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Denton County can go to $563,500 in 2026 (HUD).
Which Denton neighborhoods do you serve?
We finance homes in every Denton neighborhood, including Oak-Hickory Historic District, West Denton Historic District, Quakertown and University Area. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. For a one-unit home in Denton County, the 2026 conforming limit is $832,750.
I'm buying in Denton, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Denton loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Denton 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 Denton line?
We cover those too: Flower Mound, Lewisville and The Colony are in our service area along with Denton. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Denton file.
How does the process run for a Denton buyer working with you?
A Denton 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.
Let's get you home in Denton.
Your Denton plans, the owner's full attention, and a market of lenders shopped on your Denton file's behalf.