Garland, TX
Garland, TX home loans, coordinated by the owner.
Your Garland purchase, financed on your terms — down-payment-assistance, FHA, conventional — with the Garland legwork handled from Duck Creek on out.
Does Choice Home Mortgage work with Garland, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Garland 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 Garland loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Garland home can carry a conforming loan of up to $832,750, the Dallas County limit FHFA sets, and we check where your Garland price falls before you write an offer. The whole process runs by phone and online.
What it costs to buy in Garland — and how to finance it.
Garland is a large, established Dallas suburb with a diverse working- to middle-income housing stock, sitting below the Dallas metro average and a realistic entry point for buyers priced out closer in.
That Garland market shapes the loan. In Dallas County, a Garland one-unit purchase conforms up to 2026’s $832,750 baseline for Garland files. For the typical Garland purchase, $832,750 is headroom, not a hurdle — Garland files keep conventional, FHA, and VA open. Garland’s price tier is solidly middle-of-market. 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.
Garland holds 234,000-plus residents across pockets like Duck Creek and South Garland, with Rowlett and Wylie right next door. Our Garland knowledge is street-level — the area around Lake Ray Hubbard included. Buyers come to us from Duck Creek, Eastern Hills, North Garland, and South Garland, and from every other part of Garland. Need a broker near you in Garland? Everything runs by phone and online, so Garland expertise comes straight to you. Of the 83 Texas cities we serve, Garland plays by its own numbers — that’s the point: the Garland file, not a state template.
What you get with a local broker.
Garland know-how
From Lake Ray Hubbard across Duck Creek, Eastern Hills, North Garland, we keep tabs on what Garland homes actually go for and which programs carry them.
First-time & assistance
The Garland starting lineup is usually down-payment-assistance, FHA, conventional; we add whichever down-payment help your Garland budget is eligible for.
We shop; you choose
Many lenders bid on each Garland file we bring them — Garland buyers never shop one shelf.
The owner, coordinating
The owner, Esther Buede, is who Garland buyers talk to, and she coordinates the Garland file with our licensed partner brokers.
One owner, coordinating your whole loan.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Garland file, Eastern Hills or any Garland address, first call to keys. 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.”
Programs shaped to Garland price tags.
Down-payment-assistance work anchors our Garland lending, with Lake Ray Hubbard part of the pull. Through licensed partner brokers, Garland buyers lean on down-payment-assistance, FHA, conventional most — and whatever else the Garland numbers call for: FHA loans, non-QM, conventional, and VA. Ready or just curious — buying, exploring a refinance, or running scenarios — get started here or call (949) 522-7310.
Expect FHA, conventional, down-payment-assistance, VA to carry most Garland files.
Self-employed in Garland? We also work with self-employed borrowers — 1099 income included, plus no-income investor financing for Garland investors. Dallas County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Garland sits in Dallas County — see how we work across Dallas County as a whole.
Garland is the center, not the edge — Rowlett, Wylie, Richardson are covered too. See all Texas cities we serve →
For Garland, TX: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Garland remotely; there is no local Garland office.
What Garland buyers ask us first.
How high can a conforming loan go in Garland?
In Garland, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Dallas County. Dallas 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.
What's the usual first mortgage for a Garland buyer?
For a first home in Garland, the usual choices are FHA, conventional and VA loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Dallas County is $563,500, per HUD. Some conventional programs accept 3% down from first-time buyers.
Are certain Garland neighborhoods outside your coverage?
No. Every Garland neighborhood is covered, Duck Creek, Eastern Hills, North Garland and South Garland included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Dallas County conforming limit for one unit is $832,750 in 2026.
I'm buying in Garland, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Garland loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Garland office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Garland too?
Yes. Our coverage goes past Garland to Rowlett, Wylie and Richardson. 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 a Garland file.
How do we work together on a Garland purchase?
We start with a call to map your Garland purchase, then coordinate the application, documents and updates online. 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.
Beyond Garland: nearby cities we work
Your Garland keys are the goal.
Straight answers on your Garland options, and a broker shopping the whole market for Garland buyers like you.