El Paso, TX
Buy your first El Paso, TX home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit El Paso budgets. We walk you through every step.
Inside the El Paso mortgage market.
El Paso is among the most affordable large cities in Texas, anchored by the border-region economy and the military-civilian workforce at Fort Bliss. Strong first-time-buyer and VA-loan activity reflect the large active-duty and veteran population.
That market shapes the loan. In El Paso County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most El Paso purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work El Paso from the ground up — close to the Franklin Mountains and Scenic Drive overlook. We finance homes across Kern Place, Sunset Heights, Upper Valley, and Downtown El Paso — and every other corner of El Paso. Looking for a mortgage broker near you in El Paso? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
El Paso market knowledge
Near the Franklin Mountains and Scenic Drive overlook, across Kern Place, Sunset Heights, Upper Valley — we know El Paso's neighborhoods, prices, and the programs that fit them.
First-time & assistance
El Paso buyers often start with VA, FHA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your El Paso file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your El Paso loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In El Paso, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your El Paso home, not a shelf product.
For El Paso we lean on VA, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to El Paso, we also help buyers in Sierra Vista, Odessa, Midland. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps El Paso, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a El Paso office.
El Paso mortgage questions, answered.
What's the 2026 conforming loan limit in El Paso?
In El Paso County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in El Paso?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in El Paso. We match you to the ones you qualify for.
Which El Paso neighborhoods do you serve?
We serve buyers across El Paso, including Kern Place, Sunset Heights, Upper Valley. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in El Paso, TX?
Yes. We help El Paso homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near El Paso?
Yes — we also work with buyers in nearby Sierra Vista, Odessa, Midland. Same process, local loan-limit details for each.
Let's finance your El Paso home.
No call center — just Esther. We'll find the program that fits your El Paso purchase and do the lender legwork.