Georgetown, TX
Georgetown home financing, minus the runaround.
Conventional, first-time-buyer, active-adult lending programs sized to Georgetown budgets — matched to your Georgetown file, from Sun City Texas to every corner of Georgetown.
Does Choice Home Mortgage work with Georgetown, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Georgetown 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 Georgetown loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Georgetown, FHFA's 2026 one-unit limit is $832,750 (Williamson County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Buying in Georgetown: the numbers that matter.
Georgetown is one of the fastest-growing cities in the country, driven by Austin-metro overflow and the structural draw of Sun City Texas — one of the nation’s largest active-adult communities; the Victorian downtown square anchors a mixed-income market from Sun City retirees to young families in new master-planned communities.
So the Georgetown strategy starts with the market, not the rate sheet. For Georgetown, 2026 conforming tops out at Williamson County’s $832,750 baseline on one-unit Georgetown homes. For the typical Georgetown purchase, $832,750 is headroom, not a hurdle — Georgetown files keep conventional, FHA, and active-adult lending open. Georgetown’s price tier is solidly middle-of-market. 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.
Some 54,000-plus people live in Georgetown — Sun City Texas, Historic Downtown Square, and between — a short drive from Round Rock or Pflugerville. Ask us about Georgetown blocks near the Georgetown Historic Square and Sun City Texas — that’s the level we work at. We finance homes across Sun City Texas, Wolf Ranch, Berry Creek, and Historic Downtown Square — and every other corner of Georgetown. Need a broker near you in Georgetown? Everything runs by phone and online, so Georgetown expertise comes straight to you. Of the 83 Texas cities we serve, Georgetown plays by its own numbers — that’s the point: the Georgetown file, not a state template.
How we work Georgetown loans.
Georgetown know-how
We work Georgetown street by street — Sun City Texas, Wolf Ranch, Berry Creek and beyond — matching each neighborhood's prices to programs that fit.
Down-payment friendly
The Georgetown starting lineup is usually conventional, first-time-buyer, active-adult lending; we add whichever down-payment help your Georgetown budget is eligible for.
We shop; you choose
We make lenders compete for Georgetown business instead of squeezing Georgetown buyers into a single bank's box.
The owner, coordinating
The owner, Esther Buede, is who Georgetown buyers talk to, and she coordinates the Georgetown file with our licensed partner brokers.
One coordinator, application to keys.
In Georgetown, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Wolf Ranch or anywhere on the Georgetown map, first call through keys. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
The right Georgetown loan for your situation.
Near the Georgetown Historic Square and Sun City Texas, conventional files are a Georgetown staple for us. Most Georgetown files start at conventional, first-time-buyer, active-adult lending (via our licensed partner-broker network) and branch from there — every option gets a look: FHA, VA, conventional, and non-QM. Start where it suits you: buying, exploring a refinance, or testing the numbers — start your application here or call (949) 522-7310.
Georgetown buyers most often work with conventional, first-time-buyer, active-adult lending.
Not every Georgetown file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income. The full Williamson County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Georgetown is the center, not the edge — Round Rock, Pflugerville, Cedar Park are covered too. Every Texas city we cover →
Working with Georgetown, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve this area; we do not maintain a Georgetown office.
Real questions from Georgetown buyers.
What's the 2026 conforming loan limit in Georgetown?
A conforming loan on a one-unit Georgetown home can go up to $832,750 in 2026, which is FHFA's limit for Williamson County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Williamson County conforming limit is $1,066,250.
What's the usual first mortgage for a Georgetown buyer?
For a first home in Georgetown, the usual choices are conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Williamson County is $571,550. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of Georgetown do you work in?
Every part of Georgetown, including Sun City Texas, Wolf Ranch, Berry Creek and Historic Downtown Square. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Sun City Texas and Historic Downtown Square, and we coordinate them by phone and online.
Can an out-of-state broker really cover Georgetown, TX?
Yes, because a licensed partner broker in Texas originates the Georgetown loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Georgetown office, so the application, documents and updates run by phone and online.
What if I'm buying just outside Georgetown?
Buying just outside Georgetown changes nothing on our side; we also arrange loans in Round Rock, Pflugerville and Cedar Park through licensed partner brokers. 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 Georgetown file.
Do I ever need to visit an office for my Georgetown loan?
No. A Georgetown 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.
Buying near Georgetown? We cover that too
Let's finance your Georgetown home.
Straight answers on your Georgetown options, and a broker shopping the whole market for Georgetown buyers like you.