El Paso, TX
El Paso first homes, financed the smart way.
We put VA, FHA, first-time-buyer to work for El Paso buyers — matched to your file, whether the address is Kern Place or anywhere else in El Paso.
Does Choice Home Mortgage work with El Paso, TX buyers?
Yes. Choice Home Mortgage arranges home loans for El Paso buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the El Paso loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit El Paso home is $832,750 (El Paso County, per FHFA). We start every El Paso file by placing the price against that number, then handle the application, documents and updates by phone and online.
El Paso prices, programs, and the path through.
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.
So the El Paso strategy starts with the market, not the rate sheet. El Paso’s 2026 conforming ceiling is $832,750, the baseline figure El Paso County shares with most of the country. El Paso price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for El Paso buyers. El Paso itself prices entry-level. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Kern Place over to Downtown El Paso, El Paso’s 674,000-plus residents sit within minutes of Socorro and Horizon City. From the Franklin Mountains and Scenic Drive overlook outward, we treat El Paso as home turf. El Paso buyers reach us from Kern Place, Sunset Heights, Upper Valley, and Downtown El Paso — and from every block in between. Typing “broker near me” somewhere in El Paso? Phone and online is how El Paso files run here — the local read on El Paso comes with it. Across Texas, our coverage runs 83 cities deep — and in El Paso, as everywhere, the county numbers get verified before anything is quoted.
One file, many lenders, El Paso terms.
El Paso know-how
From the Franklin Mountains and Scenic Drive overlook across Kern Place, Sunset Heights, Upper Valley, we keep tabs on what El Paso homes actually go for and which programs carry them.
First-time & assistance
VA, FHA, first-time-buyer carry most El Paso purchases — and we check every assistance program an El Paso file qualifies for.
Lenders shopped for you
As a broker we put many lenders in competition for your El Paso file — not one bank's El Paso shelf.
Direct to the owner
Owner Esther Buede coordinates every El Paso file herself, one point of contact from your first El Paso call to your closing.
The owner coordinates your file. Personally.
In El Paso, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Sunset Heights to every part of El Paso. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Matched to your El Paso purchase, not a template.
El Paso’s pull — think the Franklin Mountains and Scenic Drive overlook — keeps VA work coming. Most El Paso files start at VA, FHA, first-time-buyer (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, FHA loans, VA, and non-QM. Start when you’re ready: buying, exploring a refinance, or just exploring — apply online or call (949) 522-7310.
Expect VA, FHA, first-time-buyer, down-payment-assistance to carry most El Paso files.
El Paso self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s; El Paso investors have bridge financing too. Want every unit count, not just single-family? El Paso County’s 2026 loan limits page has the full table.
Buyers in Socorro, Horizon City, San Elizario get the same treatment as El Paso files. Every Texas city we cover →
Working with El Paso, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve this area; we do not maintain an El Paso office.
El Paso home-loan questions, straight answers.
What's the 2026 conforming loan limit in El Paso?
The 2026 conforming loan limit for a one-unit home in El Paso is $832,750, the figure FHFA set for El Paso County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in El Paso County have a $1,066,250 conforming limit for 2026.
Which programs fit El Paso first-time buyers?
VA, FHA and conventional loans fit most first-time buyers in El Paso, and the right one depends on your credit score and down payment. VA loans need no down payment for eligible veterans and service members. For FHA, the 2026 one-unit limit in El Paso County is $541,287, per HUD.
Are certain El Paso neighborhoods outside your coverage?
No. Every El Paso neighborhood is covered, Kern Place, Sunset Heights, Upper Valley and Downtown El Paso included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Kern Place and Downtown El Paso, and we coordinate them by phone and online.
Do you work with El Paso, TX buyers?
Yes. We work with El Paso 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 El Paso office, so the application, documents and updates run by phone and online.
I'm shopping El Paso and the next town over: is that covered?
Yes. You can compare homes in El Paso with Socorro, Horizon City and San Elizario on one file. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an El Paso file.
Do I ever need to visit an office for my El Paso loan?
No. An El Paso loan runs by phone and online, and Choice Home Mortgage has no local office to visit. 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.
Your El Paso keys are the goal.
Tell us about the El Paso home you want — we'll match the program and make lenders compete for your El Paso loan.