Edinburg, TX
First-time buying in Edinburg, TX? Start here.
An Edinburg home within reach: FHA, USDA, VA — run against your real Edinburg numbers, Atwood Village to the far side of Edinburg.
Who can help me get a mortgage in Edinburg, TX?
Choice Home Mortgage can. We arrange Edinburg home loans through licensed partner brokers in Texas and coordinate each Edinburg 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 Edinburg home can carry a conforming loan of up to $832,750, the Hidalgo County limit FHFA sets, and we check where your Edinburg price falls before you write an offer. The whole process runs by phone and online.
Buying in Edinburg: the numbers that matter.
Edinburg is the Hidalgo County seat and home to UT Rio Grande Valley — the dominant higher-ed institution in South Texas — creating a permanent institutional demand base; the nearby Texas A&M Higher Education Center and a growing medical district provide dual drivers insulated from commodity cycles.
The loan has to fit the Edinburg picture. 2026 gives Edinburg buyers a $832,750 conforming cap on one-unit homes — Hidalgo County sits at the national baseline. Since typical Edinburg prices stay under $832,750, an Edinburg buyer keeps conventional, FHA, and first-time-buyer all in play. Edinburg itself prices entry-level. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 80,000-plus people call Edinburg home, spread from Atwood Village to Cano Park area, with Mcallen and Pharr minutes away. Our Edinburg knowledge is street-level — the area around the UTRGV main campus included. Whether the address is in Atwood Village, University district, North Edinburg, and Cano Park area or another Edinburg pocket entirely, the financing follows. From anywhere in Edinburg, the whole process runs by phone and online — local Edinburg market reads included, commute not required. Of the 83 Texas cities we serve, Edinburg plays by its own numbers — that’s the point: the Edinburg file, not a state template.
Edinburg deserves a real broker.
Edinburg market knowledge
Near the UTRGV main campus, across Atwood Village, University district, North Edinburg — we know Edinburg's neighborhoods, prices, and the programs that fit them.
Down-payment friendly
The Edinburg starting lineup is usually FHA, USDA, VA; we add whichever down-payment help your Edinburg budget is eligible for.
Lenders shopped for you
Edinburg loans here go to whichever lender earns them — we shop the Edinburg file wide.
The owner, coordinating
Owner Esther Buede coordinates every Edinburg file herself, one point of contact from your first Edinburg call to your closing.
One owner, coordinating your whole loan.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Edinburg file, University district or any Edinburg address, first call to keys. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
The right Edinburg loan for your situation.
Near the UTRGV main campus, FHA files are an Edinburg staple for us. FHA, USDA, VA carry most of our Edinburg work (via our licensed partner-broker network) — and beyond those, Edinburg buyers get the full menu: non-QM, conventional, VA, and FHA loans. Whenever you’re ready — buying, exploring a refinance, or still weighing options — start your application here or call (949) 522-7310.
For Edinburg, that usually means FHA, USDA, VA, first-time-buyer.
Edinburg self-employed borrowers get their own path here, qualifying on bank-statement income instead of W-2s. Hidalgo County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Edinburg: Mcallen, Pharr, Mission are all in reach. All our Texas coverage, city by city →
Edinburg, TX buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Edinburg remotely; there is no local Edinburg office.
What Edinburg buyers ask us first.
Where does the Edinburg conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Edinburg is $832,750, the figure FHFA set for Hidalgo 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 Hidalgo County conforming limit is $1,066,250.
Do Edinburg first-time buyers have good loan options?
Yes. First-time buyers in Edinburg can choose from FHA, USDA and VA 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. HUD's 2026 FHA limit for one unit in Hidalgo County is $541,287.
Which Edinburg neighborhoods do you serve?
All of them, from Atwood Village to Cano Park area; the rest of Edinburg is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. FHFA's 2026 one-unit limit for Hidalgo County is $832,750.
Will you take on my Edinburg, TX purchase?
Yes. We take Edinburg purchases through licensed partner brokers in Texas and coordinate the loan from the first call. 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 Edinburg?
Buying just outside Edinburg changes nothing on our side; we also arrange loans in Mcallen, Pharr and Mission 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 an Edinburg file.
How do we work together on an Edinburg purchase?
We start with a call to map your Edinburg purchase, then coordinate the application, documents and updates online. 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.
Let's finance your Edinburg home.
Straight answers on your Edinburg options, and a broker shopping the whole market for Edinburg buyers like you.