Florissant, MO
Florissant first homes, financed the smart way.
Florissant buyers get the full menu — FHA, first-time-buyer, down-payment-assistance — fitted to the Florissant budget you actually have, Old Jamestown included.
Can Choice Home Mortgage help me buy a home in Florissant, MO?
Yes. Choice Home Mortgage helps Florissant buyers and homeowners through licensed partner brokers who handle the Missouri licensing, while we coordinate the Florissant file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Florissant, FHFA's 2026 one-unit limit is $832,750 (St. Louis County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
The Florissant market, read honestly.
Florissant is one of the largest cities in St. Louis County, built out primarily between 1947 and 1980 with a dominant single-family stock; strong owner-occupancy and steady appreciation reflect stable demand in a mature North County suburb where median values stay well below the regional ceiling, leaving room for first-time buyers.
So the Florissant strategy starts with the market, not the rate sheet. For Florissant, 2026 conforming tops out at St. Louis County’s $832,750 baseline on one-unit Florissant homes. With Florissant homes mostly under $832,750, conventional plus FHA plus down-payment-assistance all work on Florissant files. As a market, Florissant runs entry-level. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Florissant counts 52,000-plus residents, Old Jamestown to Old Town Florissant, with St. Charles and St. Louis close enough to house-hunt the same weekend. Florissant detail matters to us — the Old Town Florissant Historic District and St. Ferdinand Shrine and the streets that feed it included. Name the Florissant neighborhood — Old Jamestown, Paddock Hills, Flamingo Park, and Old Town Florissant or beyond — and we finance there. Need a broker near you in Florissant? Everything runs by phone and online, so Florissant expertise comes straight to you. Of the 16 Missouri cities we serve, Florissant plays by its own numbers — that’s the point: the Florissant file, not a state template.
What working with us looks like.
Florissant market knowledge
From the Old Town Florissant Historic District and St. Ferdinand Shrine across Old Jamestown, Paddock Hills, Flamingo Park, we keep tabs on what Florissant homes actually go for and which programs carry them.
First Florissant home help
Florissant buyers often start with FHA, first-time-buyer, down-payment-assistance — we match Florissant files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Your Florissant file gets shopped across many lenders — a broker working Florissant, not one bank's sales desk.
The owner, coordinating
Owner Esther Buede coordinates every Florissant file herself, one point of contact from your first Florissant call to your closing.
Your loan, one named coordinator.
In Florissant, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Paddock Hills to every part of Florissant. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
The right Florissant loan for your situation.
Florissant keeps us busy with FHA files — the draw of the Old Town Florissant Historic District and St. Ferdinand Shrine doesn’t hurt. For Florissant we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits your Florissant file, we shop it: non-QM, conventional, VA, and FHA. Whenever you’re ready — buying, exploring a refinance, or still weighing options — begin online or call (949) 522-7310.
Florissant buyers most often work with FHA, first-time-buyer, down-payment-assistance.
Florissant borrowers who work for themselves get their own path here, qualifying on bank-statement income instead of W-2s. The full St. Louis County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
The same coverage rings Florissant: St. Charles, St. Louis, St. Peters included. See all Missouri cities we serve →
Working with Florissant, MO buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Florissant remotely; there is no local Florissant office.
Florissant questions we hear most.
Is there a loan limit for Florissant purchases in 2026?
Yes. $832,750 is the 2026 conforming limit for a single-family home in Florissant, based on FHFA's figure for St. Louis County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in St. Louis County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Florissant home?
First-time buyers in Florissant usually finance with 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 St. Louis County can go to $541,287 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Does it matter where in Florissant I'm buying?
No, not for the financing: we finance homes anywhere in Florissant, including Old Jamestown, Paddock Hills, Flamingo Park and Old Town Florissant. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. FHFA's 2026 one-unit limit for St. Louis County is $832,750.
Do you work with Florissant, MO buyers?
Yes. We work with Florissant buyers through licensed partner brokers who hold the Missouri license, and we coordinate each file. 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.
Can you help outside Florissant too?
Yes. Our coverage goes past Florissant to St. Charles, St. Louis and St. Peters. 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 Florissant file.
How do we work together on a Florissant purchase?
We start with a call to map your Florissant purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Missouri 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 Florissant home.
Bring the Florissant address or just the idea — we'll match the program and shop lenders for your Florissant loan.