Garland, TX
Your Garland, TX mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Garland — clear guidance from pre-approval through closing.
Inside the Garland mortgage market.
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 market shapes the loan. In Dallas County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Garland purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Garland from the ground up — close to Lake Ray Hubbard. We finance homes across Duck Creek, Eastern Hills, North Garland, and South Garland — and every other corner of Garland. Looking for a mortgage broker near you in Garland? 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.
Garland market knowledge
Near Lake Ray Hubbard, across Duck Creek, Eastern Hills, North Garland — we know Garland's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Garland buyers often start with FHA, conventional, down-payment-assistance — 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 Garland file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Garland loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Garland, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Built around your Garland home, not a shelf product.
For Garland we lean on FHA, conventional, down-payment-assistance 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 Garland, we also help buyers in Rowlett, Wylie, Richardson. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Garland, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Garland office.
Garland mortgage questions, answered.
What's the 2026 conforming loan limit in Garland?
In Dallas 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.
Which loan types work best in Garland?
Most Garland buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Garland neighborhoods do you serve?
We serve buyers across Garland, including Duck Creek, Eastern Hills, North Garland. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Garland, TX?
Yes. We help Garland 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 Garland?
Yes — we also work with buyers in nearby Rowlett, Wylie, Richardson. Same process, local loan-limit details for each.
Let's finance your Garland home.
No call center — just Esther. We'll find the program that fits your Garland purchase and do the lender legwork.